For most of my life I could never pay cash for a car, 1 they kept going up in price, 2 I never had enought money so I ALWAYS had a note. I HATE notes. I saved enough to be able to afford to pay cash and my broker said "Are you crazy? Finance it %100 @ the ridiculasly low promotion rate! and let your money draw intrest!" (He's right) So, now I have to have a note because I HAVE enough money! But the note still sucks! LOL