Ok, here’s more. I keep cars forever, so I’ll have it long after the loan is up. I’ll probably get Gap Ins. And what about inflation? If I keep the money in the bank, rather than a down pmt, how does inflation factor in to the equation with such a low int rate?
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You should always put money down on a car loan. Then you can avoid being "upside down" if you decide to trade the car before the end of the term of the loan