Zions Bank Auto Loan Rates and Calculators


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

With Zions Bank auto loan calculators, an individual can get an idea of how much they can afford to spend on a vehicle, if they should lease or purchase, and more just by entering in some data. The calculators offer best estimates, so the amounts and rates may change once the individual applies for a loan since loan applications take into consideration many factors like credit history and credit score.

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Rates

Zions Bank offers auto loans at competitive interest rates. Individuals need to apply to see their exact interest rate, but the interest rate chart online gives a strong approximation of what to expect when you get an auto loan at Zions Bank. A representative can be reached at a branch location or via telephone at 800-974-8800.

Zions Bank Auto Rates

Zions Bank Auto Rates

 

Calculators

 

How to Calculate

Early Payoff Calculator – This calculator can determine the amount of interest that can be saved by paying more for your car each month. To calculate the savings enter:

Early Payoff Calculator

Early Payoff Calculator

  • Number of months remaining of the loan
  • Loan term
  • Loan amount
  • Additional payment amount
  • Annual interest rate
  • Report amortization monthly or yearly

The  calculator updates as information is entered. Additionally, the “calculate” button can be pressed to generate results. The “view report” button generates a complete amortization schedule.

Car Loan Calculator – This calculator can calculate a monthly car payment price or a total purchase price so the user can determine what they can afford. Enter:

Car Loan Calculator

Car Loan Calculator

  • Car financing information:
    • Calculate for monthly payment or purchase price
    • Total purchase price before tax or monthly payment
    • Term in months
    • Interest rate
  • Down payment information:
    • Rebates and cash down
    • Trade allowance
    • Amount owed on trade
  • Taxes and fees information:
    • Non-taxable fees
    • Taxable fees
    • Sales tax rate
    • Sales tax deduction (yes or no)

The calculator updates when the data is typed into the fields or you can click “calculate.” You can use the “+” sign on the graphs to learn how the term and down payment affect your payment. By clicking “view report,” a full amortization schedule is generated.

Rebate or Dealer Financing Calculator – A rebate reduces the balance of the loan and dealer financing specials can reduce the monthly payment. This calculator compares both options to determine the best for your situation. Enter the following information:

Auto Rebate or Financing?

Auto Rebate or Financing?

  • Auto financing information:
    • Total price before tax
    • Term in months
    • Sales tax rate
    • Low interest financing rate
    • Traditional financing rate
    • Manufacturer rebate
  • Down payment information:
    • Cash down
    • Trade allowance
    • Amount owed on trade

Values update automatically as field data is changed. The user can also click “calculate” or “view report” buttons.

Home Equity Loan VS Auto Loan Calculator – The home equity loan versus auto loan calculator is made to help users decide if a home equity loan or an auto loan would be better for their situations. There are advantages to a home equity loan, such as lower interest rates and tax deductible interest, but the calculator is provided to help anyone determine if it truly is a better option. Start by entering the following data:

zions home equity vs auto loan calculator screenshot

  • Car financing information:
    • Total purchase price
    • Term in months
    • Auto loan interest rate
    • Home equity loan interest rate
    • Home equity closing costs
    • Federal tax rate
    • State tax rate
  • Down payment information:
    • Rebates and cash paid down
    • Trade allowance
    • Amount owed on trade
  • Taxes and fees information:
    • Sales tax rate
    • Fees

The calculator updates as data is entered, but users can also click “calculate” to get a response or “view report” to generate a complete, printer friendly information sheet.

Lease or Purchase Auto Calculator – This calculator helps users determine if they should lease or purchase a vehicle based on what their monthly payment would be and their total costs. Some users will find that they will be better off leasing while others will be pleasantly surprised that buying is the best option. Either way, to receive the data the user must enter:

zions lease vs buy auto calculator screenshot

  • Vehicle information:
    • Purchase price
    • Down payment
    • Sales tax rate
    • Investment rate of return
  • Buy Option:
    • Loan terms in months
    • Interest rate
    • Additional fees
    • Annual depreciation
  • Lease Option:
    • Lease term in months
    • Interest rate
    • Additional fees
    • Residual percent
    • Security deposit

Calculations update as the data is entered into the calculator. A user can also click “calculate” to generate immediate calculations or “view report” to get a more detailed summary.

 

 

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