You can compare serveral loans by taking advantage of free on-line quoting services. One that is very reliable is http://mysite.verizon.net/ressg6c7/rightcharge2/id150.html I would compare as many as possible the service is free you might as well take advantage of it. You will be surprised how the monthly payments can vary from one company to the next. Hope this helps. PS: If you are willing to wait to buy a new car, I thought Jessicalynn's answer was really good.