I won't speak for SKSman, but every 0% finance offer on a vehicle that I have ever experienced, came with an offsetting cost similar to the Polaris 0% or $3000 discount, if bought outright with cash money. Sometimes the selling outfit does not (wish to) make it clear that utilizing the 0% finance will cost you hard cash money that you forego when you finance. I bought a Ram 2500 in 2011 that had a 0% financing offer. No where did the dealership allow that I could save $5000 by paying cash, but I poked around until that surfaced. Then I payed cash for the truck. Fast forward to October 2023, and my impatient adult daughter had to have a new Jeep Grand Cherokee L. She explained to me how it could be bought with free money (0% financing was being offered). I told her that atmospheric oxygen was free for the time being, but about everything else costs $$$. Sure enough, when she asked the questions, the "free" financing was at the expense of a roughly $5000 discount available to cash buyers. She went ahead and bought the Jeep but with cash sourced elsewhere. Now that vehicle new is getting cheaper by the week. Can't learn all lessons at once. To her credit though, she got almost $4000 over normal wholesale for her trade-in, which sealed the deal.

He is, we just need the weather and timing to be in synch.   his hockey lightens up early March, if conditions are good, we’ll look at something.

Explain what you mean.

No cash discount then you're right. Question if you can make more hanging onto money and making monthly payment 🥳

0% feels good but your paying the finance.