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I don’t think finance rates will hit “zero.” I do not think lease rates will see a huge change, the more changes that would come would be for those financing or being able to negotiate more off MSRP because of slower sales.
No one is going out buying cars. I’m sure the sales people are desperate to make a sale. If you have cash, you should have negotiating power. All you can do is take a chance and see if they’ll offer you a price you’re comfortable with.