Get pre-approved by a credit union or bank and you don't have to get the loan at the dealership. I bought my '09 w/ 10k miles w/ a 3.74% apr through my credit union! Check Cars.com, Autotrader.com and Carmax.com. You'll be amazed at what you can find with a little research and patience. Get what you really want and you wont have to spend good money for paint which will decrease your vehicles value. Spend the $3k for some a CAI and CBE!
