Can you show monthly payment
http://www.bankrate.com/calculators/auto/auto-loan-calculator.aspx...Don't forget fees and taxes.
Actually Credit and term will have a lot to do with it. Example if your credit is excellent and you get a a low rate say 4 percent on a 3 to 4 year old car 286 on 72 or 337 on 60. the opposit end 18 percent was 417 for 72 and 464 for 60, Keep in mind still have tax tilte and license fees usually run 8 to 10 percent depending on state, If your not putting a lot of money down you need gap insurance . Gap insurance isave you on inequity position on your car loan. Example You owe 15000 and the car is worth 12000 and it gets totaled by insurance. Gap cover difference minus your deductible . Usually on 20000 car it cost about 8 to 10 bucks a month, If your buying a highline car like a c class benz keep in mind it would be smart to buy a very good waranty on the car, If your maxing your budget on just the payment buy a different car
I agree and thank you for giving these valuable points in your post. It is most appreciated.
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