0% financing deals

Just go to a credit union and get a loan. Take the lower rate. 4k is a huge difference.

 

Money usually isn't free. Shop around for rates & shorten the term of the loan.

 

At least here in California the deal to the public is $3K instant rebate OR $1K rebate + 0% financing, so the difference should be closer to that. usually the dealer gets some kick back from financing through TFS as well

 

I found a dealer that gave the rebate and the 0% financing. Shop around and good luck.

 

I'm writting this on a crappy i-thingy and I don't have time to pencil it out for you, but there's a reason that most financial advisors will tell you to pre-qualify for a 1.25-percent bank loan (or whatever your locar rate is) instead of dealing with the teaser rate.

Beware the dealers in SC.
When I was there as a squid, they were horrible.

IIRC, they're unloading G3s on the left coast for 19 and change plus TTL.
Your deal is close enough.
Go to a CU, or a local or regional (small) bank and see wht their rates are based on your credit.

Negotiate an OTD deal.
No admin fees.....
No tax...
No last doc fees....
No warranties....
No insurance or GAP....
No 'optional' crap.....

I give you "X"
You give me the car.

Good Luck!