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why not pay in full upfront for a car?
user
there many car loans at zero percent interest.   finance the car at zero percent, then take your money and invest it. if you want to be super safe buy a cd the same length as the car loan. 5 years you will get 2%.  if you still want safety and a better return take up a asset allocation strategy that moves your cash to risky assets when the market is performing well, then to cash, bonds, or cds when the market under-performs. now you have your car with a zero percent loan and you are making the return on the money instead of the car company.
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