You need a new car and the dealer has offered you a price of $20,000, with the following payment options:
(a) pay cash and receive a $2000 rebate, or (b) pay a $5000 down payment and finance the rest with a 0% APR loan over 30 months. But having just quit your job and started finance the rest with a 0% APR loan over 30 months. You plan to use credit cards to pay your expenses; luckily you have one with a low (fixed) rate of 15% APR (monthly). Which payment option is best for you?