Buyout second hand and you'll pay between 5 and 7 % on the WHOLE AMOUNT ! expensive but easy just need a guarantor ! Buy new good deals out there now ! We paid 10 kk% down 13 k a month for 7 years ! Still need a guarantor and a check on your earnings ! If you don't want the car just stop paying they'll pick if up quickly and all you'll lose will be credit rating ! Honda Toyota and mazda best buys ! More expensive but cheaper in the long run ! Buy now and in 10 years you'll get your money back less the interest maybe !