Thanks to the unprecedented bargains they offered in recent months, car dealers have cleared out most of their 2001 inventory and are getting more selective with their deals. Financing at 0% is now mostly limited to shorter, 36-month loans. Audi and Hummer are no longer offering special inducements, and at other carmakers, fewer models are on the sale rack. In general, however, buyers are still asked to choose between two types of incentive: cheap financing or a $2,000 to $3,000 cash rebate.
How do you calculate which to take? "It's really hard" because of the many variables involved, says Art Spinella,...
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