Will, 0% finance offers rarely are the best deals go with a credit union and get a low rate and keep the rebates.
Prime example, sold a vehicle yesterday customer qualified for 1.59% with a credit union and a $3,000 rebate.
Customer also qualified for a $1,000 rebate with 0% finance.
Cost of car was $22,000
Payments at 1.59% with $3,000 rebate was $329 which totals to $19,740 in total payments
Payments at 0% with $1,000 rebate was $350 which totals out to $21,000.
Which means that turning down the 0% offer netted the customer $1,260.
Also asking the lowest price is pretty poor method of negotiation. I've priced up a 2012 Titanium Sedan no additional options $20,300
Yes of course the dealership can put in gap insurance and extended warranties, be careful of this part, you should pay no more then $350 for gap and for extended warranty I would say no more then $1,000-$1,200 for a 7 yr