As mentioned before, instead of getting lured by the offer of freebies in the form of car accessories, negotiate for a lower EMI on your car loan. In any case, study the offer in totality. You’ll find Creditfina’s Car Loan EMI Calculator very handy in comparing deals from various lenders. All you have to do is enter the car value plus the discount (or the value of the promised freebies) minus the down payment. Now input your loan tenure. Last move the interest rate slider till your EMI equals the amount displayed in the EMI dialogue box. This would indicate the interest rate on your loan.