True, though that only applies to the balance. The best example I found had an APR just under 4% (most are a bit more than that), and with 20% down, that ends u

True, though that only applies to the balance. The best example I found had an APR just under 4% (most are a bit more than that), and with 20% down, that ends up being about 32% over (higher than my estimate, but I was napkin-mathing)