Perhaps at some dealers, or it's another line that they give people to make more money. Either way, there are plenty of us here that got 0% and a nice dealer discount. I lost a $1250 rebate by going with the 0%, nothing else. And I know that because I switched to 0% after initially going with as much discount as possible without the 0%. Only lost the factory rebate of $1250, still got the dealer discount and $2000 additional off from additional coupons (such as penfed). My dealer discount was about $9500 and never changed during the whole process.