Quote:I sold Kubota tractors for years with 0% down, 0% interest loans. What they lacked in loan profit they sure as heck made up for in market share.


In your payment example you're spending a total of $18,000 dollars. If you have $18,000 cash to buy said car with and are offered a 0% loan, you should take the loan. The $18,000 will gain more interest in the bank account over the 5 year period than accruing $300 a month over the same period would.