I forgot to add:

I am buying a new Xterra. The Nissan dealership I am using says they will finance whoever purchases the car at no extra charge. Infact, you dont even have to pay the title transfer fee's or anything like that, they will let you just put your plate on it and drive it away (You must do it yourself though).

This is a big deal becuase most of the internet online financing companies will only cut you a check if you buy the car at a dealership. I know for a fact, since I am using E-Loan to do my purchase, and they will only allow me to buy from a dealership.

Car goes on Auto Trader tonight for $21,000. TR deal is $19,000.