Hi Opher, I am glad to learn that you were able to get a good deal on your car loans.

However, if you take a step back and ask the question why the lender gave you a 0% deal, some other perspective may surface.

More often than not, a 0% car loan just means that the purchase price includes the cost of such financing. Why would a business like a dealer knowingly give away free money?

I understand that there may be some scenarios where there are opportunity costs of letting the car sit in the lot and hence they may get rid of it by making the deal sweet. Other times, they may have received an incentive unit from the manufacturer that cost them nothing, so they could be a little more lenient in their pricing.

But, for most deals, it is generally claimed that you can negotiate a better purchase price if you buy the car cash down. In your particular case, if you are confident of the purchase price having been as good as could get, hats off to you for securing two such deals!

However, I agree with the general thesis of Ben in his article regarding the wisdom of financing a decaying asset.