Compare the true cost of buying a car on loan vs outright cash, including opportunity cost.
Choosing between a car loan and cash depends on opportunity cost. If you pay cash, you lose potential investment returns on that capital. If you take a loan, you pay interest. If your post-tax investment return (e.g., 12% in MFs) exceeds the loan interest (e.g., 9%), taking a loan is mathematically superior.
Last verified May 2026
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