Then you meet with the finance manager. He will then push like hell for you to take the 0.9% - 1.9% financing. Technically, you save a LITTLE money doing it this way IF and only IF you plan on paying it off early by paying extra each month. But then you don't have the flexibility to pay less if you get in a pinch. My advice: get the 0% financing and still pay it off early.
In both cases, I got dealer invoice - factory to dealer incentives AND 0% interest.