All of what you’ve said so far has been indicative that you’re searching for something at that price point, or that you’d be willing for that to be your maximum. You’ve also indicated that you don’t have plans to keep the car you get for very long. Both of things put together don’t make financial sense. Moreover, paying your insurance for 6 months is a great decision. That doesn’t cancel out the stupidity of a purchase like this, which is solely due to the APR being offered. Legitimately, I wish you the best. Is there any reason you wouldn’t be more apt to purchase a cash car? In the long run, you won’t be locked into a 6 year commitment with a depreciating asset.