It really depends on how long you plan on driving it. The mileage on this is about average so not too bad. If this were CPO you would have the CPO warranty 2-3 years depending on in-service date. My experience with extended warranty companies has been negative--a lot of calling, inspecting, waiting, etc. But if you plan on keeping it that might be the way to go since if you are doing a 5 year note the car will already be 8 years old when you pay it off.