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Originally Posted by why?
sounds like you would want a mk1 MR2.
Credit is overrated. Save the cash in a bank account, find a bank that will give a good rate on an auto loan, and just let the bank take the payment automatically from the account. Best of both worlds. Car is already paid for and you are building credit.
I see no value in buying normal cars. Also note that while a small segment abuses the twins, most just use them like normal cars.
Besides warranties are overrated. Some have needed it on the twins but 2015 and after seem to have all the kinks worked out. A boring eco vehicle like a Yaris or a Versa has zero need for a warranty. My Yaris lasted 12 years before I sold it, and not once did I ever need to invoke the warranty, and from what I've seen on those forums no one else did either.
Telling an enthusiast to buy a versa, no matter how old, is just wrong on every level possible.
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Banks can't get close to credit union auto loan rates. Not on used. And warranties are NOT overrated. The touch screen radio in a FRS/BRZ is 800-1000. Certified FRS/86's are the best used deals. They have full bumper to bumper warranties, and a 7 year, 100,000 mile warranty on the engine and transmission. Inspected from head to toe, and in between. And you had a Yaris, the most basic car in Toyota's range. I do this for a living. And credit is NOT overrated. Good credit scores mean you have the banks and credit unions at YOUR mercy. Bad credit is the other way around!