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The first question you should ask is how much is the car. You are buying a car not a monthly payment. You are free to buy what you want, when you want if someone will loan you the money. The dealer wants to sell the car however the finance company must have some concern about the risk involved to require that much interest.
I bought two new cars the same day earlier this year. A $30K Mini and my BRZ. In both cases the dealers started with how much do you want to spend per month and my answer was $0. After getting a confused look, I told them I wanted to pay once in $100 bills and I was willing to pay $XX,XXX for the car. We agreed on a price then I went to the finance guy to discuss what options were available for financing.
You have read the wide range of opinions and as a business owner, you certainly understand the risks involved. Please do not fall back on the "No one will give me a break" story. Hard work is the only thing that will get you ahead and there is a time and place for everything. Only you can decide if now is the right time and if any particular dealer is the right place.
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