I am conservative on this issue and if you are driving a car in decent shape and is possibly paid off, or about to be, do not incur any additional or more debt at this time. Keep your job and your head down. Continue driving the present car at least through the winter, take the money you would have put down on the new car and add to it and in time when you can, buy the highest rate 6 month CD you can and wait for at least 6 months. I know you want the new car, but with a little more money to buy it in 6 months, the deals might be better or you at least will have more down payment money. At least think about it.