I may be prejudiced against car sales people, but... they can play so many games with the financing terms: not disclosing the cash price of the car, interest rate, number of months... If you go the new, financed, car route, don't be afraid of playing with your spreadsheets. If you PM you email address, I'd be happy to send you an Excel spreadsheet and/or explain the formulas. (As for myself, I've only bought new once and paid for it in full when I bought it, but when I was shopping, I had my laptop at hand!)