[ghaff]

There are probably cases where the current incentives are rolled up in the financing, e.g. 0% interest. But there are also often other fees and, frankly, the available (effectively) risk-free investment options these days have such low rates of return as to be almost indistinguishable from 0%.

They're not giving you deals on the financing because they like you.

If I were buying a car my very strong default is to just pay cash and be done with it.