Whether he can afford 1000/month or not is his business, do we really need every Joe Blow coming by to say, "Snap, 12k a year is a lot of money Jonesy!" He was just asking how competitive the deal was. For the guy who would want a Ferrari for that money... even a 0% loan for 10 years wouldn't get you a base Ferrari for 1k/month, lol.

I'd second the guy who works at BMW - try out the diesel. I've got it at almost 66k, and payments are about $730/month, no money down (not including tax). You could save a ton of money, and the diesel can be pretty satisfying compared with the old 4.8.