Texas/oklahoma/louisiana these cars run very high by comparison of the rest of the nation. For the cost of these, you figure, if you buy a new one. Your finance rate will be about 1 or 2% lower. Used cars sell higher rates for some weird reason??? $31,450 out the door would be around 33k. 34k with all accessories added. Use your email and see how many dealers would be willing to sell you the Z mentioned at 32k out the door. The 27k Z u r looking at will cost you nearly 30k once they get thru with you. So u might as well spend an extra $50 a month and get a 2012: they are hard to haggle sport,NISMO and auto Z's but are quick to drop pricing on the base car to around 30k. Give it a try.