9 years is not bad what. Put higher downpayment. At 5th yeara if you are comfortable with the car snd decide to keep driving or you want to sell, settle the loan and get some rebates.

Isnt extra downpayment + get rebate = means total interest rate and monthly payment pretty much more or less like 5 years loan.

Maybe somebody can share the spreadsheet to compare

This post has been edited by maxizanc: Aug 11 2019, 08:41 AM