Keep it or get out now

[Mach1E]

Though there is another option. Leasing a ‘23 Mach-E comes with a $7500 cash incentive instead of the $3000 you get when financing at 0%. You can lease and capture the additional $4500 savings - then pay off the lease right away. It’s a question of whether you want $4500 now or whether you want to finance and pay over 72 months.

Also a question of if you want to own the car vs lease. But yes, the lease deals are pretty tempting.

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[Mach1E]

There is a good reason WHY Ford is offering 0%. Currently, when you drive off the lot with a new EV, your "value" has dropped at least 25% if not more.

If you are really a "savvy" purchaser, you would not take the current deal Ford is offering.

The old adage that you get nothing for free is usually true.

If you truly have cash in hand and are going to invest it, do that instead and NOT purchase an EV. Purchase a non EV that would be most likely lower in cost. Take the money that you saved from said purchase and spend on gas/investments. Your depreciation will be less and you will have more money in your pocket book.

From a strict financial view, that would be the best.

If you really desire an EV, purchase a used one and pass on the zero percent.

You are NOT saving taking Ford up on their current offer. Yes, you would be better off to take said loan with zero percent if you bought a new one but the housing crisis back in 07/08 started because many people thought that it was "too good of a deal" and they got stuck with an albatross around their neck.

I get your point but at the end of the day, YOU are paying dearly for that 0%.

Well sure, door #3 is never buy a new car.

But I was really just talking about paying cash vs 0% financing.