So, you’re in the market for a new ride. You see a commercial for your favorite car brand or dealership advertising zero-percent financing. That gets your attention, right?

But don’t be so hasty. As Detroit News reports, not only are zero-percent loans harder to get, but oftentimes, they’re not the best deal for consumers:

Before biting on the zero-percent financing, check for other deals such as cash-back offers. Fiat Chrysler, for example, currently has two offers for the 2015 Jeep Cherokee SUV: zero-percent financing for 60 months or a $2,000 rebate. Edmunds recommends taking the cash to reduce your total loan amount for the base all-wheel-drive model from $27,123 to $25,123. Even with a 2-percent interest rate, you’ll wind up paying $440 per month with the cash deal. That compares to $452 per month with zero-percent financing.

The good news is, as increasing numbers of 2016 models roll into showrooms, dealers are working hard to get 2015 models off the lots with cash-back offers, special financing, and other incentives. This is great news for those people who are looking to upgrade their car while on a limited budget. Not everyone has the funds to be able to pay for the latest make and model as soon as they are released, which makes it even more important that you can find ways to grow your funds. For example, the idea of mining cryptocurrency has grown significantly in the past couple of years, and many people have since visited sites like https://coinminingdirect.se/product/goldshell-kda-box-home-miner/ to obtain the relevant equipment needed to help them conduct this process. In turn, this could help them to build funds that could assist them with any future purchases, such as vehicles.

With all these options available to you, it’s important to know that if you’ve got your eye on a new car, and don’t mind picking up an outgoing model, the upcoming months could be your time to score big.