Comparing two actual quotes
Start with the all-in prices of both offers: a finance discount can differ from a cash discount. The financed purchase price should already include common purchase taxes and charges. The separate fee field is only for additional financing costs not already included in that price.
finance total = down payment + upfront finance fees + monthly payment × months
Example with a finance discount
Suppose the cash quote is $30,000, the finance quote $29,000, the down payment $5,000 and the extra fee $200. At zero interest the financed total is $29,200, which is $800 below the cash quote. At a positive rate, interest is added, showing whether the discount still offsets financing cost.
What this comparison excludes
A positive difference means financing costs more in total payments; a negative difference means it costs less. This is a nominal comparison, excluding inflation, investment returns, liquidity needs, future taxes and rate changes. An exact repayment schedule requires the contract and its interest-accrual convention.