Those zero % rates are for new cars only, and the depreciation of a new car still makes it a bad deal. Paying cash for a gently used car is the way to go.There are good loans and bad loans
there was many a 0% interest 36 and even 60 month car loans a while back.
As X said cash is king but why drop 5 figures of cash all at once when someone lest you do it over 60 months with no real drawback letting you wad O cash work for you.
8% interest? not so good.