My personal advice would be to dont get a brand new one,this is not the time to borrow money for a few reason. 1=the economik situation is totally unstable,its not time to borrow 20000$ at the fixed rate%. 2= your young,use that money to live.get a good used car,like a 2004. have fun with the rest. your only young once! 3= as i said above,with the economik situation,many people are already force to sell there car and house as a exemple,cuz they borrow too much at once. wich mean that its a perfect timing if your looking for a good used car not too expensive....people are on the lookout for money,they will be more then happy to get your phonecall and give away ther car for less money then expected ! 4= mazda tribute,,,thats a v6. with the gaz price...i would not touch that with a 25 feet pole!