<prompt> Human: Im looking at buying a CPO 2015 Mazda CX-5 Touring, one owner, off lease, 39K miles, in the next week or two. Theyve quoted me 19K for an out the door price. Although I could buy it, Id prefer to finance it. I have excellent credit, both my husband and I have secure jobs 120K combined pre-tax income and no debt, apart from our mortgage, which is 1,500month.So my question is, how much money should I put down and how do I know if Ive gotten a good interest rate? Also, do I need to get gap insurance? Im discussing with my credit union and likely to get a 2.5 rate from them paperwork not fully completed yet so its not set in stone Do I need gap insurance? Im a total noob at this. Last car I purchased was a cheap car for cash back in 2006...which Ive driven ever since. Thanks for reading.  <response>: Theyve quoted me 19K for an out the door price. Although I could buy it, Id prefer to finance it.Id say buy it. But if you dont want to do that. how much money should I put down and how do I know if Ive gotten a good interest rate?This depends on the lender to be honest. They usually base it on the financed amount which is reduced with a down payment and the loan term.That said, Id recommend the following:- 20 down- 48 months financing Do I need gap insurance?If you put 20 down and finance for 48 months, no, you dont need gap insurance. 