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Message: <blockquote data-quote="molasses917" data-source="post: 710301" data-attributes="member: 21937">I took straight line financing, not only because of the lower interest rate. Step up financing means you'll be delaying the repayment of the loan to later in the lifespan of the car.Simply put, when you want to sell it later you'll end up with a significant loan balance to repay (even may need to top up over the sale value to cover the loan). Happened to some people I know, wanting to sell the car after about 4 years but ended up having to fork out cash to top up to cover the loan, and on top of that more cash to pay the down payment for a new car.</blockquote>