Rahul
Member
I'm in the same boat but was thinking of staying with the regular down payment amount. Paying 4.32% interest seems like a lot. Didn't really consider the risk of totaling the car though. As for investing it's been not tough to clear a 4.32% return but the markets seem high these days...Yup, only difference is the interest. I'd go with the lower amount. Less at risk if there is a total loss and you get to invest the money elsewhere.