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15K is a pretty sensible loan size - cash is king so save your cash in case you need it for a rainy day.
In savings you'll get stuff all for interest, but you won't be spunking it on a used car that will be depreciating at a faster rate.
Interest rate on cash = 0% /year
Depreciation on car = -5+% /year
Interest rate on loan = 5% / year
But you still have your pile of cash in case you need it.Cars are not "investments" unless you are a classic car dealer. Getting a loan for the full amount at <5% interest is a good deal.
Aroogah
@deleted
i don't. if however, you do - will you please lend me 10,000 kweenkwidz to fund my midlife crisis? cheers, neil! yr the best.