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Before jumping at either choice, you need to ask yourself how long you intend to keep your vehicle. First Reliance Bank’s low vehicle rates, combined with the rebate may be the best choice. If you're like most people, you trade in your vehicle before the term of the loan is up. A rebate of up to $3,000 is all up front and you receive the full savings benefit immediately. With the 0% financing, it takes years before you realize the full savings. The following example is based on trading your vehicle in after 3 years:

Dealer Financing First Reliance Bank Loan
Loan Rate 0% APR 2.99%* APR
Term of Loan 48 mos. 48 mos.
Vehicle Price $23,000.00 $23,000.00
Down Payment/Trade In $2,500.00 $2,500.00
Negotiated Discount/Rebate - $3,000.00
Amount of Loan $20,500.00 $17,500.00
Monthly Payment $427.00 $387.00
Total Amount Paid at 36 mos. $15,372.00 $13,942.00
Remaining on Loan Balance $5,128.00 $4,573. ...

A lot of us think of Dad as Superman. We just expect him to be there when we need him. We count on his support. He leads us on family outings that make memories for life. He unselfishly sets aside his wants and needs to make sure we realize our dreams. His free time is our time – no matter how little he has. So what do you give a Superman? How do you make him smile? There’s something that doesn’t cost a penny, but could be the most valuable gift you ever give your Dad. It’s time. We live in a busy world. From the demands of work to the pressures and joys of carting the kids from activity to activity, many of us don’t seem to have a moment to spare. In fact, some of us have our days so jam-packed that we can’t even imagine how we ...

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