Here is a thought: Buy the RT and put $10,000 in a money market fund. At the point which the mm fund grows to equal the amount owed on your car loan pay off the car early. As for the resale value of the Challenger I think it will be poor. The automakers quit building 2 door cars because there was no demand for them. We will see if this is still true today by comparing the sales of the Charger and Challenger. If you look back 2 or 3 years the Charger RT was a fairly hot seller. Today the SE Plus outsells RT's and SRT's combined. High fuel costs and "the green movement" will cause all cars with v8's to depreciate more quickly. It is simply a demand issue. Finally, I would buy the car that fit my budget. Most of us don't have the disposable income to easily afford an SRT or even a RT. If you are spending over $3x,000 on a car, you need to love it and drive it. Don't buy more than you can afford or you will be backwards if you need to dump it.