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I put 5k down on a BRZ limited with auto trans for around $1500 off sticker. 7-year financing at a super low interest rate put my payments around $450/mo. Making steady payments on a vehicle for 2-3 years does wonders for your credit.
I say put 5-10k down, get gap insurance, put the rest in the bank, and set up auto pay. After a few years, pay it off and get most of the interest back. You never know what stupid crap might happen. After having gone through several not at fault accidents (wife got hit by three different people several years apart), I'd rather have gap insurance pay off the car and end up with close to what I paid for a vehicle than get financially screwed by some drunk on a rainy night.
Whatever you do, get EXACTLY what you want and work out a deal on any factory extras you want installed before delivery. I did minimal work and ended up with what I assume is a dealer car. It only had 70 miles, but came with just about the full catalog already on it for no extra charge. (fender trim, fog lights, rear bumper applique, wheel locks, and Homelink mirror)
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