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This does presume keeping the car for the life of the loan and keeping it clean and properly maintained.
Problem is the low/0% financing option is generally tied to sticker price. You could probably buy the 3yo model of the same car for 60% of sticker price and get a warranty. Not everybody needs a new car
Frankly, that doesn't sound like a good deal at all. You aren't going to get an 8 yr warranty on a 3 yr old car, and if getting a 3 yr old car just means driving it 3 fewer years, I don't really see how you're saving anything.
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