Originally Posted by
hockeypilot44
That zero percent loan isn’t as great of a deal as you think. It was baked into the price of the car. If you forgo the zero percent loan, you could usually get some other incentive knocked $3-$5k off the price. Back then a loan was easily under 3 percent anyway so the other incentive was worth more. The zero percent loan was just a different way to frame an incentive.
0% Financing is usually a manufacturer incentive so the dealers really don't care if you're paying cash or not when it comes to the out the door price you negotiate.