This is a nice thought but I've found that I don't actually have much more cash flow. Instead of paying a car payment, I'm putting the money into savings so that when this car dies I can pay cash for the next one again. Either way, I'm using it to pay for a car. With interest rates as low as they are, I'm just not sure it matters. Obviously paying $15,000 in cash is better than taking out a $40,000 loan but I'm just not as convinced that paying $15,000 in cash is really much better than taking out a $15,000 loan at 2.7%.