<prompt> Human: My wife and I are starting to window shop for a second car. We have a 2008 Subaru Impreza and a 2003 Ford Focus with 144k. The Ford is on the tail end of its life and I thought we should start doing some research to make an educated decision on our purchase. I am interested in picking up something affordable and reliable in the 10k range, and my wife is interested in more of an upgrade in the 15k range. I told the dealer that I would like to stay around 10kthinking this price range would provide affordable payments, and he said the financing on an older model car in this price range a 2005 Honda Accord with 110K, could possibly be more than a 2012 Ford Focus for 15,000 with 40k. He said that the bank could see the Honda with 100k as more of a risk. Is any of this true? FYI, The Financing would be through a credit unionEdit: I actually am overnight test driving the Focus right now. Man, is it cheap. It is the SEL model, fully loaded with leather, but if you look closely, the exterior paint is pealing, the dash is pealing up, and it wobbled going down the freeway! I actually pulled off an exit to see if the wind was blowing the car. Nope, no wind.  <response>: Dont shop on payments; thats how you get reamed and then post back here asking why you got stuck with such a bad deal. 