Yeah, for a new vehicle that has a horrible drop in value right off the lot. I will NEVER own a new vehicle out of principle. Call me stupid but I will not buy a new vehicle if, for anything else, than to avoid getting talked down to by some hokey ass half wit car salesman. I like my few years old truck. I’m not rich so I finance it. I’ll also take any chance I can to not pay high interest.Don’t have to finance much when dealers are offering 84 months no interest
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Those usually come with 0% financing OR a few thousand discount, and you are almost always better off getting the discounted price and your own financing through a credit union.Don’t have to finance much when dealers are offering 84 months no interest
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It does better than your reading comprehension
I even used the big letters for you people. 
#metoo
You dont, you sell it at month 48 or so for the balance of the loan.
FIFY
I guess maybe so with some vehicles my truck has held its value the last 2 years I have owned it and same with the wife’s. I do maintain my trucks with record and receipts. I’m sure I’m the exception and not the rule but I also shopped and got a good deal originally both from individuals. Also didn’t want a diesel with the emissions crap. Don’t make enough to have that kind of cash laid aside so I financed. Got a chance to better my position so I refinanced. To each their own but to hell with a new vehicle with a shell or any sort of dealing with a dealership
It does better than your reading comprehension
His point is you are better paying 3% from your credit union and getting the 8k rebate than 0% and no rebate
The zero percent interest deals always mean you are paying more. If they aren't making money on financing, they are making it up front.
This. Just do the math. Yes, there are exceptions I suppose, but a $54000 vehicle with 0% means you pay $54000. If you get $8000 in cash back and discounts, then get a 5 year, 3% loan, your total cost is $49500. I know which I would do.
No, but to be clear, its not always worse. it just depends on the rebate and sale cycle situation. For instance when I bought my Mazda it was at the end of year and they were getting rid of the stock for a new incoming model. Rebates etc didn't care how you paid. But there was no 0% option either.
She’s smart, better to rust out your shit or put it in the ditch instead of her new ride.so girlfriend bought a new suv 2 years ago. they had low interest rates but not 0% or 7500 off BUT had to finance through the dealership at a higher rate. we sat down and worked the numbers over then called her credit union. they told her to take the incentives and they refinance her car at the lower rate in 30 days or something like that. in the long run she ended up saving a pile of money compared to doing one or the other.
all because she wanted something that was AWD or 4WD for when it snowed to get to work, then it snowed and she took my truck
