Well, first thing is check your credit score for sure, it costs like $12 bucks, print it out, and bring it with you wherever you get the loan. Based on what you described, you should have very good credit. They should give you 3.9apr. If they won't, I would try a credit union. That's a fairly standard rate for a credit union. As far as down payment, put the most you can reasonably afford, remember you're going to need to get full coverage right away. Alot of factors will determine how much that's going to set you back, but check with your insurance company, and maybe shop around if you don't like what they tell you. Also I would recommend going for the shortest payment cycle you can afford and still maintain the sort of lifestyle you want. 36 is the most I would go personally, but as long as you're not doing 60months I think you're ok.
