if 5 yrs to pay buy brand new, dont ever think about buying 2nd hand sa ganong term, isipin mo nalang palaos na yung oto o pag minalas ka baka defective or flooded pa makuha mo tapos 5 years mo pa babayaran. Baka after 5 years bulok na at ang baba na ng value nya its not worth it i tell you. Take note iba ang interest rate ng 2nd hand vehicle mas mataas... baka 2 na nabili mo sa interest nyan.