We end up buying car. We got 2016 Accent last month. With 0% interest and 7 year warranty, that take me into retirement and it $35 fee if pay off debt early. We take loan over 7 year for small repayment of just under $90 bi-weekly and my husband set aside the extra it would cost, in saving account, so if we want pay up sooner, money there. He say with no interest it make sense to have longer loan period and we have interest on money set aside.