Your credit is good enough to get the best rates.. Don't believe what any dealer tells you - in fact get pre-approved at your local bank/credit union first - you'll also have a stronger negotating position when talking price to the salesman when you have cash in your hand. Tell him how much you want to pay then walk away! it'll work!
Financially speaking the best option is to pay cash of course. And never buy brand new - I drive an Audi that most people think is new. I paid $20K a year ago for what looks, feels etc like $45K car.
Those 0% deals are normally offered for higher priced vehicles so while you think you're getting a good deal paying 5% at a bank on a 2 year note maybe cheaper . Depends on what the math is of course.............sadly, and as usual buyer beware. Take your time, do your research before even thinking of the dealership and don't listen to a **bleep** thing the sales guy says.... Also, if your buying anything less than 2-3 years old DONT get the warranty.
Good luck !
