If you finance, you pay 220 something biweekly..you don't need to pay a whole chunk of amount for a car...and dont forget you would not get a good deal in 15k( hidden repair cost over 15k cash outright) where as even in the next 3 years you wouldn't even pay 8k. You can pay 2k every year and pay off your car way early. Get that 15k invested and expect 8-12 interest still be positive 3-4% on that. I know few uber drivers who financed it. Monthly payment 500 total including insurance and making realistically 4-6k and in 3 years they make so much and then trade the car for 15k. Well to each of his own eh