Here lately in Houston the '03's w/ a 5 speed are being advertised for around 22K after rebates.
Dunno about interest rates, though.
I would need an auto, and the other day when I searched I did not see any.
The black auto I drove hauled azz vis a vis my SOTP meter !
Problem is :
resale value of our cars.
The Ford dealer wanted to
SIIMP

on trade in - thanks, but no.
I think I'll just hang onto the SS, though - about another year - year & a half & shes is paid for !
(She = Christine ! Crazy gal, she is.

She makes me drive like a maniac !

)
My .02.
Britt