That's a really nice car, but I'm not sure it would be wise for you to get that car if you're going to have to be making payments since that involves interest. Interest, no matter how low is still money that you're paying in excess as a penalty. I'd say save the money you'd put towards the car and put it in something like a 5% money market fun, or a CD (not music, but investment type) and gain interest on that money of yours rather than spending it. If you did this...you could probably buy a new Viper in not too long with cash and have money left over...all before you would have finished paying off the old one, but then again...you wouldn't have gotten to drive a Viper till then. Having a car like that would be awesome no doubt, but worth the money...only you can make that call.