in order for me to get 0%, i had to forfeit a 6500 dollar rebate. The cost of the loan at 2.59% was about 1800 over 60 months. Absolutely silly to leave cash on the table just to pay 0%.
Specifically, my case: Using my financing and rebates, my payment is $477 a month. Cost of interest was 1804. If i did 0% and gave up a $6500 rebate, my payment would be $555 a month.
That was just quick math. Im sure that there are other things that would need to be considered. At the end of the day you are paying the car payment. Whether you are paying an interest rate or not, it is all built in to the monthly amount. Lower the payment, the better for me.