Not a good idea to rely on the exception, rather than the rule when it comes to money ;) Either way, taking on "financing"/debt for a car is dumb and unnecessary for personal use. It does nothing, but lose value and cost money over time. A complete financial loss in every way. Unless you use them for business, where you can write of depreciation, etc..., they can't really be justified, and they're made like crap. When is the last time a week went by when a major auto manufacturer didn't have a recall, or fire, or debt spiral, etc....?