You can't get 0% on anything, but a new vehicle (Correct?). "Used cars have already depreciated (60 to 70% in the first 5 years). Buying used allows the person who bought the car when it was new to eat the cost of the depreciation." --Dave Ramsey (Yes, I've been brain washed to some degree)

You are saving money by not eating the depreciation. They are making money on the high-arse mark up.

I am in grad-school, now so I am pissing away money by renting. However, by renting a couple years, saving money for a bigger down payment, and then going with the 15 year note on a house, I will still be more ahead than if I had a crappy down payment and decided to go with the 30 year note for the relatively little savings per month.