<prompt> Human: Hello all,Thanks for reading. Im hoping you can help me properly weigh my choices.I have a 2006 Mustang for trade-in that is worth, lets say, 8000. We are trading it in because I have a standard cab pickup and she has the Mustang, and we want to start a family. Need a more practical vehicle.My pickup has a not-very-good loan I used to have bad credit, not anymore with a 6 rate and about 8000 left on it over the next two years.Lets say I find the vehicle I want at about 25,000. I see there are loans available online for 1.99 or 2.29. Probably would do 60 months. Not sure how real those are, but lets assume they are. I also have enough savings to probably cover the difference in cash, but this is our emergency fundsaving to buy land, so I would rather not dip into it. Also with really low interest rates it seems worth taking the loan. Should I:1 Trade Mustang, acquire loan for remainder. 200 payment 330 for truck 2 Trade Mustang, pay cash for remainder. 330 truck payment3 Trade Mustang, acquire loan for remainder and combine the remainder of my pickup amount into this awesome rate? Not sure this is even possible? Like...500 payment4 Trade Mustang, acquire loan for remainder. Pay off truck balance with cash. Leaning towards this.5 Something Im not considering? Id love a way to just convert the Mustang into a payoff for my truck.Other details: clean credit history, 9 debt utilization will be lower, score around 800, make just over 100k a year. I have a mortgage that totals to around 1000mo. with taxes and insurance. No other debt.Thanks everyone.EDIT: Looking at Ford Explorers if anyone is curious. I have driven just about every vehicle model under the sun and it is by far my favorite. Might convince myself to go more practical with the Escape. Well see.  <response>: Tradesell the mustang and use the cash to pay off the truck. This way youll convert a high interest loan into a lower one when you finance the new car, assuming youll be approved for those cheap-o rates. 