I can get a car loan for 0%-5% interest rate In most market I feel you can safely earn at least an ~8% return if you invest fairly conservatively. Why would I

I can get a car loan for 0%-5% interest rate In most market I feel you can safely earn at least an ~8% return if you invest fairly conservatively. Why would I forego an 3-8% return on my money by paying cash for an asset that's just going to depreciate?