This is exactly why I am putting a new car purchase on my radar map. It’s been 16 years since I bought a new car, because I didn’t need to have one. I told friends over a year ago that I would wait, and soon they’d be offering me larger-than-normal rebates and 0% financing (free money) and whatever other incentives that will make my purchase a bargain (compared with trends from recent years). The government will have you believe, however, that you can’t get loans, no one can get loans, and therefore, you will rot and die. No, responsible people who live within their means and pay people back can get loans. They’ll pay you to take their loans.