<prompt> Human: I know this is a frequent topic but Im just looking for a little confirmation and reassurance!Honda is offering 0.9 APR for 36 months.Ally Savings is paying out 1.8 APR.Is there any reason NOT to take the financing and just keep my cash in the bank?Is anyone aware of any gotchas with Honda Financing I should be aware of?The fact that this seems like such an obvious thing is what makes me doubtquestion the logic! I appreciate yall taking the time.Assistant: Well, people can offer you 0.9 if they pump the price up and still keep a profit. Check that the price is ok, and if you find it at a better price elsewhere, you understood the trick. Human: Price is the same if I finance or pay cash and thankfully Houston has a lot of Honda dealers, theyre all about in line as to what theyll do on this model of which there are 10 identical trimcolor across the city.Thanks!  <response>: Guy above doesnt know what hes talking about. Honda Finance obviously is not making money with a .9 interest rate. This is called rate subvention. They do it because it helps sell more cars overall, which helps them make more overall money. They are able to do it because of financial engineering behind the scenes which is the field I work in.In other words, theyre not trying to screw you over, just trying to sell a car 