Also keep in mind the '0% money' is not really 0%, since I got $1,500 instead of that . And it's typically one or the other; not both. You have to basically finance the whole thing to be worth it. I never thought it was a good idea to finance a vehicle, so never did. Always preferred to be in a beater than owing anything, and same thing with my house. Stayed in an apartment until I could pay cash for my house, and that was a big sacrifice, but a very smart move. All my co-workers had houses and new cars for years when I finally had my first, but left them in the dust a decade later... and they still had at least 20 more years of mortgage payments .