Honestly, that depends on the interest rate spread. If I could get the same terms as a new car (let's say 1.9% on 60 months) during a boom economy/post-crash c

Honestly, that depends on the interest rate spread. If I could get the same terms as a new car (let's say 1.9% on 60 months) during a boom economy/post-crash correction, I just might. Of course, you're never going to see that rate offered on a re-fi for a used car so this is purely hypothetical but as the saying goes, fortune favors the bold.