SmartBuy

[HummerNewbie]

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.