Calling yourself "jhawk" you should move one state west
To me it sounds like a lease would be a better option for you. Are you looking to get the lowest payment you can get? I lease mine because I usually want a new vehicle within about 3 years so unless you are putting a lot down you are not really any better off in three years when you go to trade one you purchased. I looked at all my options from lease to a flat out purchase for cash and the lease worked best for me. To me, the cash is better spent on appreciating investments than it is on a depreciating vehicle. Just my two cents and everyone's situation is different.
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I don't care about the "Jeep thing"
as long as my mail is on time!!!
Slate Blue H3 Adventure w/sunroof, Monsoon/NAV, DVD and marker lights