I bought a 2022 GMC Canyon and was prepared to pay the balance after trading in my 2016 Canyon with cash.
Stuck the best deal and they had a three year zero interest rate offer. So in that case I went with the loan. But normally I would never borrow money to pay for a vehicle.
Be careful. I am sure you are, but those interest free loans often have snapback with punitive interest rates if you miss a single payment.
Dealers often make as much off the finance contract as they do off the sale. Negotiate your best deal, while leading the dealer to think you might have to finance. When it comes to close, decline the financing. You can probably get a better rate from your credit union anyway.
But you are correct, best bet is to save up and pay cash. Self discipline will make you rich.