Loans = higher principle price is false. It could be true in some cases, but it was not in mine. I negotiated a cash rate. I had the cash in my hand, and I got

Loans = higher principle price is false. It could be true in some cases, but it was not in mine. I negotiated a cash rate. I had the cash in my hand, and I got the lowest possible cash price, after talking to 6 dealers. Once I had the price printed on paper including all fees, I then said sure I will do the 0% APR loan. My price did not go up a single dollar. Options 3 and 4 I could take that cash I would have spent on the car, and put into the stock market. It would have generated me 5-6% return, on average, over the life of my car.