so as you all know i am trying to save 3 grand and then get 3 grand out of my car so i can have six g's going towards the DP. After that my payments will be 550 with the interest rate the lowest it possibly is for me since my mom is co signing and she can get the lowest interest rate cuz of her credit. My question to you guys is even if i take the six g's toward the DP instead of the minimum 10% that is required so i could get the car sooner and i could easily get the 10% if i sold the car i have now. would it make my payments that much of a difference? if so then i am going to save the 3 g's as orignally planned but if it isnt going to make that much of a diff. then i maybe gettin the car sooner than i think. what do you guys think? and for those people who say pay cash i dont have that option :wave: . Obviously it would be cheaper to get a 05 than an 06 but would it make a diff on my payments which year i would get?