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It's only bad if you're paying interest on it.
If you got 0% then stretch it out for as long as you want, even if you have the cash to pay in full.
But if you really can't afford it or pushing it, I would not do it. We're all car guys, we all understand but at the end of the day, it's just a car. No need to put yourself in a bad financial situation when you don't have to.
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