[jcp123]

Payments aren't great, but they aren't bad if you don't get tempted by the flash and dash.

Good credit helps too.

They lowered my payments by $20 a few weeks after buying my wife's van. The explanation was vague but apparently it was related to a revision of my risk assessment.

Also I don't feel that very many people actually realize anymore what maintenance and repairs run. Just because you can afford the car, doesn't mean you can afford the car. A $15k BMW is a very different animal from a $15k Accord.