Harris Bank Auto Loan Rates and Calculators


Harris Bank Online Banking » Harris Bank Auto Loan Rates and Calculators

Harris Bank auto loan calculators allow users to understand the implications of financing options available to them.  Users get a detailed breakdown of the payment plans, interest rates and the real cost of the loans.  This helps them determine what financing option works for them. For a detailed overview of the options available, click here.

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Rates

The actual loan rates given for Harris bank auto loans vary depending on a number of factors. However, applicants can get an overview of the expected interest rates by following this link. Rates can change without notice to applicants.  Inquiries can be made at a branch location or by phone 1-888-340-2265.

Calculators

How to Calculate

Monthly auto loan payments depend on the interest rate, loan term and loan amount. This calculator helps users determine the exact amount of monthly payments based on a given set of terms. The inputs required are listed below.

  • Cost of vehicle
  • Cash rebate
  • Value of trade-in
  • Amount owed on the trade-in
  • Down payment
  • Loan term
  • Interest rate

Click “calculate” to view the monthly payments.

 

This tool helps users to weigh their options between leasing a vehicle and purchasing one with an auto loan.  One will be required to enter the following:

  • Purchase
    • Term of the lease
    • Purchase price
    • Age of vehicle
    • Sales tax rate
    • Cash rebate
    • Down payment
    • Any upfront costs
    • Term of loan
    • Rate of interest
  • Lease
    • Security deposit
    • Monthly payment
    • Cash paid
    • Cash rebate
    • Interest rate of savings
    • Federal and state taxes
    • Future depreciation

 

Click “calculate” to compute.

This tool helps users determine what works best for them between paying cash and borrowing money for a vehicle.  While paying cash is often cheaper, financing spreads the cost over a longer time making it more convenient. The inputs required are listed below.

 

  • Purchase price
  • Loan term
  • Down payment
  • Interest rate
  • Period of ownership
  • Interest rate of your savings
  • Federal and state taxes

Click “calculate” to compare.

The auto loan comparison tool helps users compare up to two loans to determine which has better terms. Users will be required to enter the following:

  • Purchase price
  • Interest rate
  • Loan term
  • interest rate of your savings
  • Federal and state taxes

Click “calculate” to compare.

 

 

This tool helps prospective auto loan applicants to compare rebate incentives from vehicle dealers and low interest rate financing. Users will need to enter the following information:

  • Low interest rate
  • Regular interest rate
  • Cash rebate
  • Interest rate on savings
  • Purchase price
  • Loan term (months)
  • Down payment
  • State and federal tax rates
  • Rebate status

Click “calculate” to compare.

 

This tool helps users figure out the price of a vehicle they can afford.  This way, they can be more realistic about their expectations. The following variables are required for calculation:

  • Down payment
  • Interest rate
  • Monthly payment
  • Loan term
  • Cash rebate
  • Value of the trade-in

 

Click “calculate” to compute.

 

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