But along with that little bit of learned wisdom people also say that if you need a 60 month loan to get the monthlies where you need it , you really can ' t afford that car . If a lender is offering 0 %, I ' ll take it for the longest term possible . Why should I pay more than I have to when I ' m using free to me money ? Why should my debt to income ratio suffer because of some old addage ? The first time I bought a big screen TV I had the money in the bank but the store had 24 month 0 % interest promotion going on . So I left my money in my savings account and paid a small monthly payment towards it every month . Why wouldn ' t I ? <| sep |> what the fuck is even going on <| sep |> they follow the most popular build based on already picked talents actually