Tough to say. The internet is a great place to say. "Pay 3% now to earn 10% later." It doesn't always work out that way, and often, there is more context. Like, is the car even worth it in the first place? What is your salary? What is this "low rate?"

What I do know is I see few posts along the lines of "Help, I paid off reasonably priced purchases and have no debts."