+1
That is a promotional rate to sell cars and often the selling price is higher to make up for the low interest rate.
One time I was buying a Toyota with a 0% promotion and with several dealerships that I talked to I got the same story that the price would be $1,000 higher if I took than instead of paying cash or getting my own financing because the dealership had to pay $1,000 to get the 0% financing.