Financing

While I'm not sure what you are paying, and if your credit is somewhat good, I would imagine that you can finance the balance rather easily,, You will likely have to have full insurance to cover the car if you are using the car as collateral, so plan for that expense also..

That shouldn't be an issue if your credit is decent... It will more be about what the car is worth as to what they will want down... Being 9 model years old, it's already taken a depreciation hit so shouldn't have tons more to depreciate... So to qualify, I wuld do the longest term... Rates don't vary that much between 3 years and 5, so it will just make for a smaller payment so you are safer if something would happen like being laid off... You can always pay extra each month on the principal to bring the balance down faster... In the end, the year of the car will only matter because the bank needs there to be value in the asset... Other than that it will be about your credit and debt to income ratio...

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