<prompt> Human: Just had a discussion with a friend over lunch and I am curious to get PF perspective on it.The pro main argument was its free money so why not. The against arguments were... 1 Way too long of a commitment 2The actual street value of the car will never cross the line of the actual loan residual value. If you want to sell the car, you will have to add some money from your pocket to actually close the loan3Increased maintenance for the last few years of the loan. Added while you still have to make payment4Probably less negotiating power on initial buying priceIll just leave it at the arguments we talked about. Any other? What do you guys think  <response>: Where is this being offered? I would carefully comparison shop to see if they arent just charging you a couple thousand extra and distracting you with the great financing offer. tanstaafl. 