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A $10k loan ($14k vehicle, $4k down) is going to run a minimum of 7.7% (from my quick search for personal loans) interest, so you'd pay $451/month for 24 months at a total interest amount of $822. All this plus the increase in insurance. I don't know of any bank that gives auto loans on 15 year old cars. Some credit unions will fund an auto loan for a 10-year old car, but I have never read of more. SS
____________________________________________________ We face formidable challenges. I am not afraid of them. I am prepared for them. 
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