Which offer works better for jill, Finance Basics

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Which offer works better for jill

Question: Jill has found an SUV she likes for $50,000 with no money down and 0% financing for 72 months. The dealership also offers $10,000 cash back BUT the SUV will have to be financed locally at a bank for 72 months at 5%. Which offer works better for Jill?

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