I suggest u take car loan...with 8 % interest differnt ( compare 12 % and 3.2 %). With current economy....all investor also pull back, they not doing this for fun....with their reason of course..simply because ppl feel it is good to hold cash on hand is safer than u do any transaction.

U can take loan with 3.2 % with 4 years...if u 1 year later u call bank and tell them...wat is your great price u can give me if i give u full settlement cash ?? u think they will still hold u till 4 year ?

I bet u, they will call u back and give u a good price.

Conclusion : take car loan....if u have cash on hand...call bank and ask for price for full settlement. u save alot interest from here.

44k i suggest u buy 2nd hand vios also better than national car.