I saw a TV commerical yesterday from a Cadillac dealer offering CPO cars (Certified) with 0.0 financing.
Now THAT is a good deal.
A good 1 year old car with a factory warranty out to 7 years with no interest at thousands below MSRP is VERY interesting.
When all is said and done, it may not be better than the standard 3% to 4% available to the hoi polloi.