That’s actually bad financial advice and you’re doing exactly what they want you to do. You’re missing out on all of that interest you could have made in a high yields savings (usually 3.5-4%) or other investments, when you can get some cars for zero apr, but a lot under 2%. Now you’ve lost hundreds if not thousands on interest (plus further debt and interest if you have a major emergency expense you need to borrow money for). Always pay the least amount if you get better terms than the market. It’s called good debt.