i posted that my credit score was a tier 4 615 which is no good. second, i had the 10 grand from a CD that just matured so i didn't have to dig into my savings or IRA. third, i bought just about every extra they had door visors, navigation, chrome exhaust, rims, cool rearview mirror etc. so the total price of my car with taxes was 36k. subtract 5k for my tradein and you get 31k. I didn't want the long 72 month loan, so I took the 48 month loan at 540 a month. then i got the full warranty package with the anti-theft and lojack and that brought my monthly payment to 639 a month.

I realize that i am paying a lot in interest, but i am going to pay more than 639 a month because I can afford it. Also, again this is my first real purchase that can positively affect my credit, so I dont mind taking the long term financial hit.