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I buy cars in cash. I have purchased a single vehicle in my life with credit and that was paid back in 3 years, it was solely because my then 8 months pregnant wife and me broke down in our old car. Still have that car, 15 years old Honda Civic trying for 30 years on it.
No sympathy
I bought my last three cars with 0% interest deals over six years. Brand new cars (last year's model), good price, dealer's trying to just make room for new inventory. With low payment I was able to invest extra money. Why spend cash you don't have to? If someone offers low interest on something you need, it's a no-brainer.
No sympathy? No thinking maybe.
Doubt
Subaru offers deals on their last year's models all the time. I drive a 2018 Subaru Legacy, and before that a 2013 WRX, both had 0% interest financing. I paid about $250 a month over 60 months on my last car. You know how I get that? Because I build my credit by not paying cash for everything. When I bought furniture for my home, I opened a credit card with the furniture company because they offered 18 months no interest. It's always a no-brainer (if the price of goods is right).
And I know interest rates are crazy now, but Subaru is currently (or was in the last month or so) offering 0% financing on their cars again. If you're in the market for a new car and can stomach the ridiculous cost of everything these days, getting 0% makes it much easier. Just makes sense.
And when things go to hell you will get a bailout