<prompt> Human: My lease is ending soon 336mo and I dont want to lease anymore. I found a used car that I really want for 15k only 5 years old with 26k miles. I have 13k in savings. I have 18 month 0 interest offers for up to 8k from my credit card that I could use towards the car. I have used such 0 offers a few times before, and have always paid them back on time Im responsible with credit, I always pay off credit balance before any interest can accrue. Should I put down 10k and use a 0 offer for the remaining 5k? Or should I finance it entirely? Ive never bought a used car from a dealership before, so I dont know what kind of interest rate I could get. My credit score is over 800. What would you suggest? Thanks! Assistant: I appreciate all the responses. Here are some more details and answers to some questions: Its a 2012 Lincoln MKZ, original sticker was 45k! The 13k in savings is all I have, its my emergency fund about 4.5 months worth of bills Im only putting 5 into my 401k with no employer match. I know, shame on me :P Besides my mortgage, the only debt I have is 13k in student loans at 5.25, Im paying 300mo, which is double the minimum  <response>: The 13k in savings is all I have, its my emergency fund about 4.5 months worth of billsDefinitely dont drain your emergency fund for a car if other options financing exist. 