Suge, I hate to say it, but in my opinion, your thought process is exactly what the lenders want. Until you have been on the OPPOSITE of the financing fence, you wouldn't understand. A lender can't make money off of ANYONE who doesn't want financing. Basically, any financing you do that doesn't generate money for you is BAD FINANCING. In other words, if you finance a car for $300 per month and that car doesn't make $301 or more a month for you, then it is bad financing.
TAX BREAKS?
Name one tax break that the government gives you that doesn't cost you money?
If we both buy a house for $100,000, I pay CASH and you finance, who pays more for the house (tax breaks included), me or you? Your interest may be $7K per year and you get a $1K tax break on the interest paid, how much have you spent to get that $1K tax break? You spent $6K. Although, I didn't get the $1K tax break, I didn't spend $6K either.
If I buy a car for $15,000, I pay CASH and you finance, who pays more for the car (tax breaks included), me or you?
Financing only makes sense if it generates INCOME for you, otherwise its generating income for someone else. PLAIN AND SIMPLE.
THEREFORE, a ZERO credit score means you are paying CASH for EVERYTHING and you are not a FINANCIAL SLAVE to anyone.