Take that $6k (or even better yet, $5k with $1k in reserve) and buy a car outright. Car payments are for chumps -- especially 72 months worth of car payments. That's a sure sign you can't really afford the car. If you have 5-6 grand in your pocket, you can get a really good used car. No, it won't be an STI or even a WRX. There was a GC 2.5 RS for sale on CL a few weeks back for $5k though; that would have been totally worth it.