<prompt> Human: Making the best of an already great thing. My wife and Is situation gives us enough money for a new car. Walking in with a check and out with a car seems like a great way to avoid debt, but from doing research it sounds like that might not be the optimal choice.Ive heard that many discountsrebatesetc. are tied to financing incentives for the salespeople, so that getting a great price for us is much easier when the employees are getting money too.Assuming that is a smart idea, the ins-and-outs of financing math escape me. Would it make sense to get the best rebate, and then immediately pay off the loan? Or would it make more sense to get the best interest rate and leave the money elsewhere for as long as possible, where it might be more productive? We have good credit. Or is leasing a thing? People lease stuff, right?Thanks in advance for any help.  <response>: Would it make sense to get the best rebate, and then immediately pay off the loan? Or would it make more sense to get the best interest rate and leave the money elsewhere for as long as possible, where it might be more productive? This depends what gives you the best deal. If someone is going to give you 0 financing, why not get the 1 or put in stock market and possibly make more. You can ask them for their best deal if you pay in cash and best deal if you use their financing. Make sure you can pay off the loan early with no penalty. 