why not just get a 14 then with that mindset? personally I think you got the cock and the balls if you paid $36.5 +TTT, and 2.9% is not a great rate by any means these days.... very average.Hmmm...a 12 with 11,000 miles for $34,0000. A new 13 with no miles, auto running boards (and if you read my entire post) maybe bargain down by $1,500. Get the car for $36,500 or so. Plus, the new one is eligible for 2.9% financing (that's what I did) if your district offers it. To me a no brainer assuming the new one fits your budget. Now if you could get the 12 for $30-$32, thats a different story.