I mean, out of college a while ago, I literally got a 0.5% APY car loan that my accountant told me I should, under no circumstances, pay down early. I bought a

I mean, out of college a while ago, I literally got a 0.5% APY car loan that my accountant told me I should, under no circumstances, pay down early. I bought a new car that I've essentially done nothing but do oil changes on for 10 years and I can essentially sell it for about what I paid for it 10 years ago and got compound interest on money I didn't have at the time, to buy a car that was essentially as cheap of a new car as I could get. It's not that it's likely, but you can do the math on if the rate offered is worthwhile. It's probably not the case now that rates aren't in the 0-1% ranges and there's a chance they'll go down in the future, but "getting a loan for 1% and then investing in something that gets 4%" is essentially the underpinning of the fractional reserve banking system that's making a lot of money. You may as well see if they'll let you get it.