Side note: There's a financing-related cost to a 0% car loan. It's whatever the surplus on the insurance that you're required to carry (because you have a loan) over what the true value of that insurance is to you.

I have a 0% loan right now on my LEAF. I'm likely to pay off that loan pretty soon as the value of that insurance (to me) is decreasing as the car ages, but I can't dump it unless the loan is paid off.