How many months? $60 for 72 months is a total of $4,320. Less money to be paid in total, and you get to keep your money for all that time.
Are you financing for longer than 72 months?
The usual answer on finance questions is that at zero interest, and the same total outlay either way, the money is better in your pocket than theirs. So long as you have the discipline and ability to make sure you pay it and get no penalties. This is even more true in a high inflation environment - the money you're paying with in 5 years time could be worth only 70% of the money today.
But it's hard to say for your numbers here without knowing how long you're financing for. I suspect your $60 per month is approximate only, and it's probably more like $70 a month. In which case.....add to the finance package you're already getting.