true - I should have more clearly said "if you can afford it in cash, there's no reason not to take advantage of 0% financing and set up automatic payments"While 0% is better than any percent... If you can't afford to fully pay it off in an emergency, then it is still a bad decision, as the 0% becomes (almost always) the maximum allowable cumulative (often retro) interest by law typically with a single missed payment and/or with "fees" built to commit usury but fall outside of the fine print of usury laws.