<prompt> Human: Because youre more likely to get a better price that way? How much extra does it cost to finance it and then pay it off immediately?  <response>: You just have to figure out what is the better deal.I had the cash to buy a new Civic, but they were offering 0.9 financing. It was the same price whether I financed it or paid cash. I decided not to spend the cash all at once and go with the financing. I will take the full time to pay off the loan. I make more in interest than I will spend on the financing.When we bought our truck, we also had the cash to buy outright, but we got a couple extra thousand off to finance through Ford. The interest rate was 5. We did the financing and then paid it off with the first payment. 