It makes sense because it means the bank doesn't have my balls in their pocket. Yes, It does make sense to finance at 0% but only if you've got the money to back it up. Otherwise, if you find yourself in some kind of financial pinch over the course of the 3-5 year finance period, your'e screwed. If you can look out the next 5 years and say with 100% certainty that you won't get laid-off, have the house burn down, have some medical emergency in your family that sucks you dry, my hat's off to you. Wouldn't your ability to bargain go up if you approached a dealer with cash? Isn't the option of having a big wad of cash money in the dealers coffers more appealing than a little money trickling in over some period of time? Am I wrong?