<prompt> Human: My GF just received a big payment from a relatives life insurance, and would like to buy a car. In theory we could pay cash for a brand new vehicle. Any reason this is a bad idea? Are there advantages to financing?  <response>: If you can get a 0 or very low interest loan you can do that and earn some returns on the money while you pay it down. Kia for example is doing 0 on many of their models right now. 