Wifey has an 07 Rabbit, note on it is like 150 a month (rates were in the mid 2%s at the time)
I have an 04 350Z and an 06 Ninja 650R, bought both cash. Depending on what my insurance does, I think next time around I will finance. Im torn. The Z has too many miles for a decent trade, but wifey will

at the thought of a project car. If I have to sell it I will hold out till those M235i's get in my price range

Otherwise... punch out the motor to 3.8-4.4L and rock with a little Civic or something for daily driver duty.....
I agree w/whoever said your car should = your disposable income at the max.... me n wifey could have got cars twice the price and not hurt.... but theres few things more

than a juicy account balance