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Here's how I would approach it. Use the online Mazda build-a-car (or go in the dealership) and set up your baseline on a new car.
Put in how much you want to put down on a deposit and fiddle with it until you get something realistic that you can pay per month (or bi-week). Now you know how many months, how much down payment and how much you pay check goes to a new car.
Now check your CPO and craiglists/loan from the bank. I don't have any experience in this area so I won't say much.
But you might be surprised at how affordable a 0% (or whatever mazda is offering right now) is especially when the bank will not give you a 0% loan.
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