I'm not. I've only financed two vehicles in 46 years. My first new truck, in 1985 which I paid off in nine months, and a 2012 where I got a 2% discount for financing with a loan having no prepayment penalty. I made one payment. The flip side of inflation for me is that Raptors may well be $100k when I get around to it. Or not. Predicting the economy is a fools game.If you are financing then expect at least 5%-7% on a 60 month loan with Tier 1 credit in a couple of years.