You should be looking for something in the 36-38k range new 2011, with room for negotiation obviously, if you get a good fiance rate and affordable monthly payments I would say finance, if you have the money and ready to buy I would go ahead and buy it, waiting 5 months you can only hope to see 2012 models, so unless you are waiting for a 2012, offering cash and buying str8 out seems like the way to go.
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