It’s not really a zero percent loan. To test that, tell the dealer you are paying cash, make your best deal, and then at the last minute say you changed your mi

It’s not really a zero percent loan. To test that, tell the dealer you are paying cash, make your best deal, and then at the last minute say you changed your mind and want a zero percent loan for the same price. See how that goes. The money that goes to purchase your car, is invested money that earns a non-zero return, whoever it comes from. If you have the cash, you be that investor, and you earn the return. The manufacturer, and the dealer, have a bunch of dials they can twist to get the most money out of you while convincing you that you are getting a good deal. It’s win-win, except you don’t actually win. Paying cash takes the dials away. They do this dozens of times a day, every day, and they don’t play to lose money. You’re not going to beat them.