the 3.9% vs. 0% is less than 2000, you are always better off looking for the best deal.
economy might be down, but cars are still being purchased. you can definitiely find good deals on z, but you might have overvalued your car too, almost like a sports team overvalue their own players. with all that said, used car market are strong, you should still be able to get 22 or even 23k for it, 25k+ sounds like a prayer. just for hahas, carsdirect list a 2011 maxima new for 28k....
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