[too_slow]

Originally Posted by 4444

Name calling is so childish, seriously 'dumb shit' - its not even very imaginative or funny

Anyway, let's say you finance at 0%, I agree, you would not want to ur anything down, from a financing point of view

But, and a really big but, when you finance at zero apr, chances are you are paying a higher capital amount than, say, if you paid with cash - in this day and age, cash is king, you can negotiate way more with a cash purchase. Before the global financial crisis, quite the opposite was true, you were in a better position if you were financing, so people like me who buy their cars with cash (and not because I'm a drug dealer or anything like that) were in a worse off situation.

So, please, tell me if I'm wrong, but recently a family member bought a car with cash (a learned trait) for just shy of 20% off, now granted they have bought 3 cars from same dealership in last 7 yrs, but still, would that person have saved that money if they were financing it at 0% - what would you rather have, pay 80k now with cash or 100k at 0% financing? I'd rather pay 80k, personally (just as an example)

Or maybe I'm just a dumb shit who knows nothing about finance

Cash incentives are minimal on Civics/Corollas. The Civic is a $20k car, not a $100k car. This is car enthusiast site, not a 'financial lounge' per se.