I pay cash for everything I possibly can. Unfortunately, thanks to the bankster class, that isn't everything anymore.
The dealer said he could get me 3.0% on a loan. The Credit Union across the street said I could get 2.75% if I filled out all the PII on myself I had available and gave it to them. I told them to FO. I was not about to fill out their 10 page enrollment form at my age. Went to the dealer and said, "I've decided to just pay cash for the car. I've decided the banksters have already gotten enough of my money." The dealer said, "You're damned right they do. And they're not giving any of it back."
(Edit: 2nd paragraph added)