So long as you can earn more on your investments than the interest rate on your loan, academically you’re in a good place. In reality it comes down to your cash flow needs.
I personally financed < 50% on my car but chose to go for the 72mo option because the payments are hella low. I will pay it off before the loan is up like I did my last vehicle, but having lower monthly payments leaves me with more money for booze.
All about priorities.
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