<prompt> Human: Most new cars nowadays give out pretty low interest loans, at least in my area. My last three cars have been 0.0APR, 1.9APR, 1.9APR. All three times, I used a trade-in as a down payment to lower the payments, which is fairly normal Id say.However, Im thinking that if you can get an APR low enough, like the ones I have mentioned above, it might make more sense to sell the car first provided you can get a good amount for it on your own and use that money to either invest or keep away for a rainy day.Is there any flaw in my reasoning here?  <response>: Well yeah because you can sell it higher yourself, called private party selling. Thats why this price is always higher than trade in value. Dealerships know ppl will buy a newer, more expensive car if its financed. So if you can get almost 0 APR, great, but ask yourself if you had the cash to buy upfront, would you still buy it? Just dont get tricked into buying a more expensive car with the cheap financing. They are hoping you only focus on the monthly payment. 