[AF_Blue]

Nope, not when a couple of credit unions I use are offering 60-month loans for 1.69-1.99% interest.

If someone can't successfully finance a new car at those rates and term, I think they should downgrade until they get to a point where they can.

[RightField]

There are terrific finance deals if one has good credit. We recently had to give up our 2001 Ford Expedition with 185,000 miles on it because we just wore it out. Still, we got $2800 for it by selling it ourselves.

We got a 2015 Honda CRV with 0.5% interest rate. Over the life of our 5 year loan, the total finance charges are about $200. Not bad. We'll probably drive it until we wear it out.

We thought our Expedition was pretty classy, but the bluetooth, backup camera, and other features of the CRV are pretty cool.