text: No. You are financing the same amount either way. What it does is stick you with 15 days interest on the total principal. It adds a couple of hundred more dollars to the back end of the loan. It's like the way that car companies used to slide in a bunch of charges that you weren't expecting, like undercoating, dealer prep, etc.\n\nHowever, you should never borrow money to buy a car, anyway. Drive a piece of crap and make payments to yourself for a year. Move up to a better piece of crap and keep paying yourself for another year. Do this for the length of the average car loan, and you can have a brand new car, interest free, with no payments.\n\nWhat's in my wallet - CASH!