Your safest bet for financing is to get pre-approved by walking in to your local credit union and explaining what you're planning on buying. Then you will know the interest rate and payment you can get before you get to the dealership. Usually, for first time buyers, banks won't loan more that 10-15k. So, with 15k down you should find a bank that will loan you the other 18k, but it might not be easy. The car is $30k plus fees around 2k ir 3k depending on your tax rate. The best rates are 5% but as a first time buyer you'll get stuck with 8% interest, most likely at 60 months. You can find a rate calculator online to guesstimate your payment. at 8% payments are $351.00. If the rate is over 12% keep shopping. Also, time on the job is a factor 1+ years on the job, and at least $1500.00 monthly income. Don't fear because $15,000 is a truly impressive down payment. Also, I'm assuming your getting the base model.
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