Originally Posted by wolfee

First, you need to see how much they will actually loan at 0. And, I think you will be surprised at how little it will be. I just bought a new hhr (disguised as a Chevy Cobalt) and was prepared to pay cash. Just so I could run the numbers accurately, I asked for exactly what the 0% deal would look like. My credit is pretty solid and they still wanted 1/3 down. For the small savings I didn't want to hassle with remembering to pay another bill on time every month.