NO and NO, and NO!!! When you get it paid for, you will have $32,400 in this vehicle. No way is this bottom of the line vehicle worth that much money. They must be financing something else in with it such as insurance on the loan in case you default. You could find your own insurance, and come out better. At this rate, and given the normal amount of miles one drives in a year, you will always own more for the car than its book value. This will rope you into a loan that you will wish to God you had never signed up for. Plain and simple; Don't do it, or you will regret it for at least 72 months. One of liefs lessons is to learn to be more practical and less compulsive when it come to toys. Be smart with your money...Spend less than you have, and save more than you need. You got to ask yourself this; Do I want a car like this? And then ask yourself; Do I need a loan like this? To distinguish between ones wants and needs is an art. To know when you are being took to the cleaners is also an art. I'll bet the salesman said "trust me" didn't he? Walk away from this deal, NO run away from this deal, because the only one getting a deal is the dealer. If you do this deal, you will regret it, because you will always owe more for the vehicle than it books for.Glad to help out, Good Luck!!!