[msej449]

Think about this: if you had the $35K in your savings account now, would you still clean it out to get the car? Or would you use it as a deposit on a nice property? Or a year off going 'round the world on a budget? Or negotiate 6 weeks off work, unpaid, to do a European Driving holiday? Or buy that custom MTB you always wanted and take a 3 week holiday doing trails in the Rockies? Or even give you the option to tell your obnoxious new boss to go **** himself and quit, without worrying about paying the bills. And so on. Having money in the bank means you have lots of choices. Borrowing money means you have lots of constraints. I'm not saying any option is right/wrong, but perhaps it's worth thinking more broadly.

Swapping cars is going to cost you what, $20K over 3-4 years? Even if you borrow to spend it all, is driving the car for that time better than taking a year to Globetrot or whatever other option you could go for?