quick tip on 0%
it's NOT an interest free loan!
you give back some or all of the rebates to get 0%
that makes it an interest up front loan.
for example... Ford Credit has zero percent for 72 months on F-Series right now, great, right? NO! you give back up to $8500 in rebates to get the zero percent. That means you pay $8500 in interest the DAY you sign the loan. if you took an 8% loan and took the full 72 months to pay it back, your interest over the full term would be less than $8500.
look at every option before you buy.
0% is NOT a free loan.