Thanks tungjern for the info...very helpful.I'm planning to get a Vios 2004.That guy is offering me 45K.Looks like Bank Mafulat is offering the lowest rate I heard someone mention the bank is only offer the loan to Bumiputera only,is that true? I would appreciate if you guys enlighten me with some info whether I should take the car or should I hold on to my Myvi(I've got 2 more years to get off the hook from the bank)....Thanks