it sounds like you've got a good head on your shoulders. your saving your money and working towards a goal. at 20 i know it will be hard to get credit.
and it would be best if you did pay cash. i wonder how many members on here paid cash. i didn't. sorry getting off the subject save your xss off until next summer. find a great used 370 they will be harder to find then getting the loan!
but i'd be willing to bet if you've got at least 65 to 75 % to pay down you can find a lender. hell any nissan salesman will find you one. sorry to ramble.
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