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Originally Posted by The Ghost
No, unless your credit is complete shit. It is common to have sub 3% finanacing, and you can do anything short of thowing your money in the wind and earn more than that in investments. No point of tying up that kind of cash for something you can slow pay over 36 months +.
You can get the same deals with credit than you can with cash. 
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my credit score is 715. had a bankrupcy in 1996, over and done 10 years back. i've built it back slowly and then paid off evrything a few years back.