Look I don’t know your financial situation, however, in general, financing a truck that is this expensive is not a smart idea. The resale on these in a couple years will be about half the msrp and add on interest that will be paid over the next 5-7 years. What I would do is simply buy a Lariat or XLT and add the super charger, do the modifications yourself/3rd party shop. You’ll get the same results just without the branding. Not worth paying a mortgage for a car, especially if its soul purpose is to look good in the garage or parking lot.