<prompt> Human: Im currently driving a 2009 Honda Civic Si with 80k miles on it. At this point in its life required minimal repairs maintenance, but its a manual decently hard driven and Im worried about future big ticket repairs like a rebuilt transmission or clutch. On the other hand, Ive recently got a great deal negotiated on a truck from about 31,000 down to 27,000. It also comes with a 150k limited drivetrain warranty and maintenance plan oil changes, cabin air filters. Ive talked to a credit union and got a loan for 2.9. My commute isnt far so gas mileage isnt a huge factor here. I told myself Id never get stuck in a payment plan this young, but is it worth the good deal?Edit: First off, thank you for all the responses. As a first time poster I was surprised to get the amount of feedback I did. Secondly, Im sorry for the lack of late participation, Ive recently undergone a surgery and am still recovering.I shouldve explained my situation a bit more. The truck is being sold by a private party not a dealer. After doing the required research on car valuation sites like Kelley Blue Book and Edmunds, Ive found the value of the truck is roughly 31,500. The seller was in a hurry to sell the vehicle because of their current financial situation, so I was able to get a few grand off the price. The vehicle has proven to have no issues and Ive even got a few upgrades from the seller tool box, bed liner, weather mats, new rims tires. Like many of you I dont like the idea of payments or spending more than I should afford. This wasnt an emotional buy. I love my civic and Ive always wanted to keep it as my forever car. However, I intended to buy this truck because I have a need for moving materials and equipment in a side job my buddies and I have been brewing up. I realize this isnt the most financially responsible choice, but Im waiting for the title and Im going to purchase the truck. Rampant disappointment, I know. Luckily theres an ending I thought rpersonalfinance might enjoy: Once I have the title Im going to explore selling the truck, paying off the loan in full and bagging a profit.  <response>: Repairing a paid off vehicle, even for expensive repairs like new engines or transmissions, is a hell of a lot cheaper than 27,000. 