Hey everyone...question... I got my car...2007 mazda 6 last year...and b/c of my credit the interest rate was high. I needed a car badly...and I got the car at a really good price...fit my budget and everything. Now that I have a higher income, less debt, and history of car payments...my score went up 60 points...so I can qualify for a 3.9% rate on a 2009 mazda 6. For the total amount I will pay for my current car...it would equal the total amount I would pay for the new car with the lower rate....just extend the loan by like 18 months. I could always pay it off sooner if I put more down. The thing is...I don't need a new car...but I would never be able to refinance for the 3.9% that I can get on a new car loan. It makes sense in the long run...cause I'd be paying the same amount of money...I'm just nervous about it. I work at the dealership part time...haha...so I get employee pricing, along with other incentives to bring the price about 3k below invoice. If the car would be the same price as what you are paying in the long run...would you do it?