I will be rolling it in
at this point I don't care. I can get a 1.99% 84 month Lian from my credit union. I just want the car too damn much
On an 84 month loan, you will be upside down for at least 5 years on the Mustang.
As a stockbroker / financial adviser for the past 30 years, my advice to my clients is that if you cannot afford the payment for a car on a 36 month loan, you cannot really afford to buy that car (and should really consider something cheaper).