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<p>[QUOTE=&quot;silent_philosophy, post: 12382579, member: 343229&quot;]Larger down payment!!</p><p><br /></p><p>This will protect your investment. You are paying interest on an object with a rapidly declining value--depreciation. Taking a loan with a small (less than 20% down) down payment will generate hardship in terms of asset and debt.</p><p><br /></p><p>Do the math on the loan! How much total interest are you paying for a probability of return? Are you paying more than a NEW truck is worth with a 4 year loan? This goes hand-in-hand with Lease-to-Purchase.</p><p><br /></p><p>If you let time and desires overcome your patience, then you will not get ahead.</p><p><br /></p><p>Do you have 10k$ or more in savings? After the blood contract they call a loan?[/QUOTE]</p><p><br /></p>

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