<prompt> Human: I feel like the answer is no, but cant put my finger on the reason why. Details :Car loan is currently at 5.9 for 72 months. I owe around 14kI receive 0 offers on balance transfers every other day. Must pay 5 of the balance to get 0 for 17 months or 3 to get 15 months. Weve done this in the past with credit card debt and just bounced it around on 0interest cards until its been paid off, but never with a car loan. Im thinking wed do it about once a year until the car paid off, and at 0 I could reasonably pay it off in 36 months. Assuming I keep getting 0 offers, like I have for the last 10 years, Id transfer it 2-3 more times and pay probably close to 900 in transfer fees. Thoughts?  <response>: The math works but only because you have a long loan and a high interest rate. If you could refinance into a 48 month loan at a prime rate of 2.7 or lower you would have lower monthly payments than under your scenario only pay 785 in interest and not have the risk not being able to roll it over . 