Agree completely. It's a calculation to determine what the better offer is and I'll make final decision based on rates/final price offered. I assume 0% will be favorable but we'll see. If we had the $3k Mazda incentive like the southern states do right now, it would be even closer.Just to say. 0% financing is not always free money. Both times i bought a mazda the cash discount with a higher interest loan came up cheaper than the 0% loan without cash discount. Also dealers often get kick back on financing outside of the 0%, so they can negotiate a better deal when taking the cash discount and setting up financing at let say 4%. Compare the two and do the math to see what works best for you, but don’t be fooled in blindly accepting the 0% financing.