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No worries - if you go to your bank or credit union, etc they usually have excelent rates on used car loans - or you might qualify for a personal line of credit which is more flexible. You would simply be doing the same thing but not through a dealer. And I would defnitely offer you a better product and better service. But I completely understand either way you go - that sounds like a nice car with low miles. No worries here - I have people lining up for my cars and my neighbor really wants this one so it may not even get very far out of the garage before it gets snapped up! I pretty much sell them within a few days or a week of finishing one. It's rediculous. But I love it!