This is what they think. For you cash only guys, every guy using credit/finance/whatever you like to call it agrees not to finance every single little thing. Most would agree that is just plain dumb. I'd feel confident that a lot of the finance guys pay cash on many items. Or pay them off in a much shorter period than the full term loan. I know I love seeing this stuff too. Many 18-20 year olds with zero job experience/credit can't walk into Ford, the trailer dealer, & equipment dealer and get approved to finance everything alone. A, they'd probably need a co-signer, which would be dad or mom, or B, mom and dad finance it for them. I can't imagine an 18 year old getting approved on a $45,000 crew cab diesel truck on their own. Or if they can, is it even a reasonable rate?