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Pay cash unless you specifically take the money and invest it properly. IE. Good ETF/Mutual Funds. Putting it in Roth IRA, Ded-IRA is even better, but now you have lost easy access to the cash.
If you take the loan and spend the cash on other toys, now you have just lost all opportunity to make money on yourself. And you have a "car payment" for 5 years. It doesn't matter if it is 0% or 5%, a car payment takes away monthly income and is a risk.
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Jeff C
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