Check online for dealer inventory. Those that have excessive number of cars from the previous years are motivated to sell at cost. Manufacturers consign the vehicles interest free for about 120 days. Thereafter the dealership is paying interest on a large credit line they use to maintain inventory.
You can buy a brand new "last year's" model for 22-25% off MSRP, and secure financing at a % that is appropriate for your credit rating. Solid credit history should earn you a 1.9 - 2.9% annual rate for 5-7 year term.
Good luck!
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"The time men spend in trying to impress others they could spend in doing the things by which others would be impressed."
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