my credit union did it for me one year... the interest payment wasn't really of concern for me; and i'm yet to keep a car for an entire loan term so that final payment wasn't felt.
not having a car payment that particular month that particular year was very helpful. given the opertunity this month i wouldn't take it i'm in a different place financially now.
MK1 ZTS w/Lentec ATX - More economical than a Prius
2" drop - projectors - boost by vortech - tune by fswerks
My Car: http://tinyurl.com/8mpden8