If you borrow $15K, the commercial anounced 2.9% APR will be equal to $750 price up compare to 4.9% APR. My term is 60 months. 48 or 36 months will be not much higher bahh. There is normally no 0.0 APR for Japanese car, I guess. Price 18K with 4.9% APR equals 20K with 0.0% APR or cash, if you borrow $15K. You might can tell them that you are going to finance the car and bargain the price. And later, use cash or a 0.0% APR credit card to pay as much as possible into the down payment.