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I'm against car loans since it's a waste of money. Put the money that you'd be paying towards a new car loan into a Savings account and use it to purchase your vehicle (or at least pay the majority of the new vehicle's cost). Our rides are selling at top dollar right now, but you'll also get hit on the other end during your purchase of another vehicle, so what good is robbing Peter to pay Paul?
As far as v6 vs v8, that's a personal decision. If you like power, it's a no-brainer. If you're more into looks and fuel economy, stick with the 6-banger. My V6 is my daily. I'm getting just under 25 mpg and I've yet to lack any power on the road. Seriously, this thing screams down the highway like it owns the place, so I'm content.
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