When I bought my truck back in April, RAM was running their 84 month 0% program or incentives. My dealer also offered a discount from MSRP on either option. I did have a $3500 trade-in that also came off the bottom line price. We ran the numbers both ways: taking the 0% or a low interest loan & the incentives. I can't remember the lowest rate the dealer could offer on a regular loan; I do know it wasn't through Chrysler Credit & I was a Tier 1 candidate so it was low. Looking at the 2, the only way I could best the total $$ outlay for the truck with a conventional loan was to pay it off within 30 months or so. That would have been a bigger hit per month than we wanted to absorb, so we took the 0% loan. I hang onto my vehicles for an average of 12 years anyway, the time frame didn't bother me...as long as the truck proves to be a good vehicle.