<prompt> Human: I went to the dealership yesterday after I paid off my 2008 Honda Civic LX and went in for a 2016 HR-V base model less than 400 miles on it. Total loan was 23.7k OTD but I put plan on putting 6.5k down on it so I am never upside down on the car. I havent any signed a contract yet I just need to know if I am making the right decision. Got approved for the .9 APR for 60 months but I plan on paying it off in less than a year. EDIT: No other debts with a yearly income of 52k. my wife and I get paid every two weeks. After all expense and needs are met we have 1200-1500 left over every pay period combined. Due to our work schedules and TDYs we need two vehicles to keep make everything flow properly.  <response>: Ill also chime in with your decision of getting a new car. It sounds like you feel like you have to have a car payment. Why not try going for 6 months or so without a car payment and see how it feels? If you still want the HR-V at the end of that time, then go pick one up. I think youll appreciate having a perfectly-fine running car that you dont owe anyone money on, you can decrease your insurance from full coverage if you want, etc.Regarding the APR, it sounds good. Regarding 24,000 however, that sounds high. A base model HR-V is 20,000. Even with TTL and everything, I am seeing people get an HR-V EX with AWD for 25k out-the-door. Go to ownership forums like hrvforum.com and youll see tons of threads where owners discuss what they actually paid for the vehicle. 