The Power of 50,000 Miles

I’m a mile and points collector. I haven’t talked about it much, but I’ll be getting into it sooner or later this year.

I love to open up new credit cards for the sign-up bonuses and utilize them for free trips around the world, whether in economy, business, or first class. It’s an experience that I get to enjoy because of my churning and credit card hobby. However, this isn’t always the case and the points could always be used for something better.

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How I Purchased a New Car with No Down Payment and a 0% APR Loan

Back in March of 2015, I accepted an offer to a new job about a thousand of miles away from home. I had no car of my own, so I decided to purchased a 2015 Toyota Camry LE for its reliability and brand. The total cost of the car was $22,079.12 and I did not have to put down a down payment and was also approved for a 0% APR loan for 48 months.

Now how exactly was I able to purchase a new car with no money down and still get approved for a 0% APR loan for 48 months?

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