[namdnay]

> It doesn’t make sense to not get a car you can afford for 0% interest.

The loan might be 0% interest, but you're still using that loan to pay way too much money for a depreciating asset.

[tshaddox]

I assume the comment you quoted means “a car you could afford to pay cash for, but will instead invent the total cost while making payments on the 0% interest loan.”

[namdnay]

I think the problem here is "you can afford" vs "you can pay for"

if you're willing to spend the time and effort doing interest rate arbitrage for a few hundred dollars, maybe you can pay for a certain car, but i'm really not sure you should be