[wasya152]

hi, so finally got my production slot for mid march for the 3rd time now. Basically moved up to #111 again. Dealer is telling me i should finalize the financing since rates are supposed to go up in feb. My car is spec to $91,600. I'm getting quoted with $10k down and 12k miles @$1,176 with 8.25% tax. They are not giving me anything for the M3cs trade but basically a clean wash which sucks. Maybe I'll try to sell it private route, but honestly don't really want to buy it out and deal with it. If I do no money down, I got quoted $1500 for the payment.

Do those terms seem right? I thought with that down payment amount it would be less. Also, kinda doesn't make sense to put down a large payment since if anything happens to the car, I'll loose it. Should I consider maybe buying it instead? I usually lease cars, but not sure with this market.