Simple math here. First of all let's take some raw data. 39,600$ financed at 300 a month = 11 years of payments. That's absolutely ridiculous and no dealership will do it so let's now assume a 0% loan for 5 years and factor in a down payment. At 300$/month that's a down payment of over half what the sticker price is. So you could almost literally pay cash for cars like a fiesta ST or even a one year old FR-S or Focus ST or GTI or V6 mustang.
Kinja is in read-only mode. We are working to restore service.