You've just got to make sure you can get your total payments for all your debts within a certain percentage of your income. I financed my truck about 2yrs ago when i bought it new, but i didnt purchase it until i was able to put enough down to make the payment where it was comfortable for me. I did however pay cash for the other 3 cars lol.

For me its worth having the payment to have the piece of mind of knowing my low mileage, new looking truck will start everytime and is under warranty. Not that my honda isnt reliable though lol.