<prompt> Human: Who can tell me a little mode about it?Background is were trading in a 1 series for a new 3. The balloon with zero down is 11K at 2.7 Apr.Help me understand the pros and cons.Assistant: uallthisbooze:Pros: The interest rate is pretty good. Its likely a nice car.Cons: Youre buying a new car and a luxury brand you probably dont need. Perhaps youve justified all of this to yourself and can afford it, but buying new cars is one of the worst things you can do for your finances. Standard advice here is to pay for a used car in full, drive it into the ground. Use the money you save to invest for your future.rpersonalfinance shitstorm in 3...2...Human: Thats the thing...we already own a 1 series were paying off right now but want to trade up. Because weve only had this car for like 8 months, theres still a lot of negative equity in it which rolls into the balloon payment. At the end of the term, you either pay that off, trade the car in on a new one, or refi the balloon.Im hoping to hear from someone who has actually used the program.  <response>: So you want to roll negative equity into a lease? That is a very poor financial decision. 