Personally... I would definately consider an 8 year loan on the Challenger if there was 0% or very low interest. I wouldnt worry about being upside-down in it because I have no plans on ever selling the beast. I would hardly consider such a decision as idiotic... just thrifty use of someone elses cash. In fact... given such terms and circumstances... one would be and idiot for not taking advantage of such an offer.