I am surprised no one has suggested that you save the money & pay cash for the car. Is that concept completely lost in todays world? I sure hope not. That is the way I plan to do it so the only "payment" I have is insurance, gas, & maintenance. I would suggest you call your insurance company & ask them to ballpark a price for a car like this as I suspect you may find that your age will impact it pretty significantly.

If you want some good "old fashioned" financial advice (the kind your Grandma used to give) I would suggest you tune your radio into Dave Ramsey. I think his website is daveramsey.com