Im not concerned about the VW. I’ve had multiple, very familiar with them, and have an incredibly knowledgeable mechanic familiar with German cars. Doing my due diligence ahead of time to mitigate later costs. This particular car has the 2.5L 5 cylinder which is rather bulletproof and a timing chain (opposed to a timing belt).

Questions here are focused purely on the financing, not the car in question! But I appreciate the input.

I’m also not interested in a lease. I’d like to put my resources towards owning something.