doink

And if you do go that route, give at least 6 months for your credit score to recover from the hard inquires you will take when the banks look at your credit history and score. After 7 months on my altima, my score already recovered and I'm already eyeing the 2013 Z's.

I work hard for my money, so do you. I decided back then to wait a year so my credit score will be higher and have a longer payment history. That will result in lower % rate when its time. Save a few thousand.