re: Is it super dumb to finance a vehicle for 72 months?

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Only problem is you give up all manufacturer incentives to get 72 months at 0%. So you pay for it one way or another.

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That can be the case. I was going to do zero percent for 60 months, but then I found out that it was either that or the $2500 rebate.

I took the $2500 and paid cash. I also get a good deal of psychological satisfaction from not paying a monthly note, even if it might not always be the smartest financial play on paper.