re: Better to finance $31,800k at 4.19% or $35,100 at 0%?

quote:

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The amount you put down doesn't make the vehicle cheaper. And maybe I'm misunderstanding your question, but a truck sold to you for $50,000 is a $50,000 truck whether you put $20,000 down and only finance $30,000 opposed to only putting $10,000 down and financing $40,000.
The only way to make a vehicle "cheaper" is to negotiate a lower selling price.

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No, you're right. I worded that incorrectly. I meant that at what point is the total amount of the loan w/interest less than taking the 0%?