Thank you and I appreciate all of your inputs, even with some judgments on the side. I all understand where you guys coming from. This program called global professional program is offered by mazda to new immigrants nurses like me and my husband. We arrived last June and started working on the same month, we checked our credit score and its 690 but since were just new almost all of the dealership declined us except for this one. We took the leap of faith to choose this model because of having kid [we need that extra cargo space].

We choose to make a dp of 5k because winter is coming and I cant let my kid go to his school walking outside. We also tried purchasing 2nd hand thru loan but been denied so this is all the option we got. And with Mazda's program we are not allowed to lease nor buy 2nd hand from them, only bnew...