That's great if this statement is costing you money, but extremely poor business sense when using a lenders money free of charge. My dealer and I talked about this, he told me some of his customers could not stand the thought of owing money, they like to pay for what they bought. I told him that made absolutely no sense whatsoever if using a lenders money free of charge, and besides that, you are hurting your credit rating. There is no better way to build good credit than to make payments free of interest set up on an automatic debit. This guarantees you will never be late with a payment, which in reality will lower your credit rating if ever late. Buying a machine with 0% and making timely payments is one of the fastest ways a young person can build a good credit rating, and believe me, a strong credit rating will carry a great deal of weight when transacting any business throughout life.