Everyone is split in half on this debate. Some people say "why spend $30k cash when you can invest it and make 15% on your money and use your gains to pay the APR Loan". Easier said than done. No one can guarantee you'll make money investing it, and a car is NOT an investment, so stop obsessing over the loss. However I subscribe to the other point of view that you can't put a price on not having a payment. Of course I did not have $33k to put down on my X-Terra, so I borrowed and I send in extra principle payments, paying it off a year early, saving on interest.
