You can easily find a CD that would pay you 5%.
so you are loosing 3% of interest on $125000 for 5 years.
Which amounts to 3750*5=18750
plus you'll be taxed on the value of the car...
You are better of just putting $ in the decent CD and then buyin a car of your choice
aren't you actually losing more than that?
you aren't "compounding" the interest - it may not be much, but i think if compounded, it would be more then the "present value" amount.