[FLYIN']

It's called "Special financing" if you have super credit. You get 0.9% financing on the vehicle with low monthly payments and then a larger fixed sum to be owed at the end of the loan period.
Let's say the amount financed was $44k, the finance charge is about $1400 and then you would pay about $480 per month for 59 months and at the end then pay a $16,500 payment for month 60.
All that time if you had cash in your money market account or at your broker it's making well more than the $1400 you paid in interest (you hope). If you are worried about the balloon payment then at least a 5 year old M2 could be sold for more than $16,500 quite quickly!