<prompt> Human: This advertising post is on Reddit with comments disabled. My comment is: A car you can afford does not require paymentsAssistant: A car you can afford does not require paymentsSure, if you want a very narrow view of what afford means.if you qualify for a low enough APR, then it can be worth your while to pay a nominal amount of interest to keep your money liquid and in your possession.Human: Dont be fooled. You still have to part with that liquid money at some point to pay for your car, plus more for not paying it off right away. Most people dont realize that the price of the car has a financing fee built into it. If you pay cash you dont end up paying that fee. The car dealership tried multiple times to get us to take a loan, which is rediculous, when they finally realized we were only going to buy with the money in our pocket they confessed that the cash price was 2000 less we didnt know. For those following along thats 36000 - 2000 34000 which is a 5.5 fee  <response>: You must have stepped in a black hole or something because thats not how car buying has worked for sometime.now, its always possible that this was simply the result of the negotiation and this is just how they justify it on paper. You caught someone at the right time with the right situation and the right money. I wouldnt say this is repeatable.it may even suggest the other way that you overpaid even at 34k 