<prompt> Human: My wifes lease is coming up and were looking for a new car. We decided on getting the base 2017 subaru forester. Out the door price will be 25k. Right now, subaru is running a 0 APR for 48 months. Currently Im making a 6 figure salary. However, im applying for a one year training program where my salary will be around 60k starting July 2017. Ideally, I would like to pay 350mo for the first year while Im making 60k and then increase the payments once I get my regular salary back. In order to do that, I would need to have a down payment of 8200 25k - 350x48.I also have 7k on hand. I figured I would place a 2500 deposit and use the 4500 to pay for the 350month for the year when my salary is lower. Im thinking of getting a 6k auto loan 1.99 to make the 8200 down payment. Does this make sense? Any suggestions?  <response>: If all I had saved was 7k there is no way I would even be considering buying a new car. Also, only having 7k in savings with a six figure salary is a red flag; you have a huge income stream and it should be possible to save 20k plus a year. Do that for a few years and you will never have to borrow money for a car again. 