I think most people (at least I'm hoping most people lol) are aware that it's either 0% APR or the cash incentives. It's typically one or the other. My recent purchase was a buyback though. There were no deals or incentives allowed, just straight MSRP swap and I financed the amount from the swap. So my 0% APR had nothing to do with deals or trying to get the price lower as that was not allowed with the buyback.One thing to remember (at least up here) is that Ford low interest rates are baloney as you get another discount if paying cash. That means that when you finance at a low rate you are buying the rate down yourself. I believe it was around a $1750 discount.