New car loans hover around the 6% @bigcol, but if you patiently wait and arent to specific about what you want in the car you can regularly get 0% or 1% car loans on new cars. They prefer you having finance and often you can do much better than cash by using what they offer in finance. The cash is better days are over, because they get kick backs to sell you the finance and will often work harder on bottom line car price if you sign up on their finance ... and you can make money from that finance deal.
The current work Navara was a run out end of model offered at 1% finance over 30 months. I financed the full value at $50k, sold my old Navara independantly to the dealer for $25k cash. I invested that $25k in my mortgage at say 6% for the 30 months so saved 5% on $25k over that 30 months of the car finance. An all up saving of around $3000 for doing nothing. I structured my car fiance payments so at the end of 30 months I have a balloon payment of $25k; which was no coincidence the value of the car I sold them. At the end of 30 months I give them the $25k they gave me, and I made $3000 whilst I had it. So in effect the car costs me $47k instead of $50.
@TRAKADU does all sound right
