Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

Should I finance a new home theater at 0% even though I have the cash for it?
I think most people have already answered this one pretty well.  (It's usually worth it, as long as you pay it off before the interest kicks in, and you don't get hit with any fees.) I just wanted to add one thing that no one else has pointed out:  Applying for the loan usually counts as a hard pull on your credit history.  It also changes your Debt-to-income ratio (DTI).  This can negatively impact your credit score. Usually, the credit score impact for these (relatively) small loans isn't that much.  And your score will rebound over time.  However, if it makes your score drop below a certain threshold, (e.g. FICO dips below 700), it could trip you up if you are also applying for other sources of credit in the immediate future. Not a big deal, but it is something to keep in mind.