Couldn't pass up the year-end 0% financing, cash back, and GMS employee discount (father-in-law.)
At 0%, GMAC is
paying me to take a loan! Any money I would have put down up front I can leave in the bank and make interest.
I was concerned that I wouldn't make the deadline though. After many months of whining, as my Christmas present my wife caved in and said I could get one. Day before Christmas we closed the deal, got a great trade-in on my old Blazer, and found the exact truck I wanted in Pennsylvania. (I'm in Buffalo, NY). Dealer said that they would bring it up the day after Christmas. Well, wouldn't you know that it started snowing that night, and five days and seven feet later I was wondering if they would be able to get the truck before the Jan 2 financing deadline.
Finally stopped snowing and there was a chance to get it on Jan 31, but my dealer was the starting point for the Olympic Torch relay in Buffalo that day, and they were too busy to do anything else but prepare for the party.
Finally, they went to get it the morning of the second, prepped it, and I took delivery 15 minutes before closing when the financing would have evaporated.
I love snow, but that week was really bumming me out: I was worrying if they would get the truck in time, and I missed out on the chance to play in all that snow with my new toy!
-- SS