[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

[dyauspitr]

It’s more than a few hundred. On my current vehicle- $60k, 0% interest for 72 months I make $10,000 over the lifetime of the loan at 6%.