<prompt> Human: Hello Reddit,I am about to buy a new car, and the dealer is offering 0 financing. However, I can pay cash. On the one hand, I would love to finance so that I can keep investing that money myself over the term of the loan. On the other hand, I want to preserve my credit score, since I suspect it will impact my insurance rate and ability to apply for a 5 cash-back gas credit card.Does anyone know how significant a hit your credit score takes when you finance a car? And in the long run, does it make your credit score significantly stronger once its paid off all I have right now are fully-paid pristine credit card accounts? I suppose one option for me would be to finance, wait for it to show up on my report, and then pre-pay the entire remaining balance the following month.Id really appreciate the advice, Im new to all of this and this is my first car!Many thanks!  <response>: Are you sure the 0 financing offer isnt in lieu of manufacturers rebates. It almost always is. 