well my jeep is financed and I have another 4 years until it is paid off. But with a 0% loan, I would be an idiot to pay it off early or not take it. In fact I actually added the lifetime warranty in with the financing only because it was 0%. Our other car is financed out to the max @ 3.2% with gap insurance, so If I get rear ended from some schmuck on his phone, I do not have to worry about loosing anything.
I have always had older cars until a few years ago when the maintenance and upkeep started equaling the amount of a car payment and I was still stuck driving a 10-15 year old turd that was unreliable.