I am going to go through Navy Federal Credit Union. I have financed every car I have owned since I went active duty. I do have a question and looking for some guidance. I have always financed the OTD on all cars and made a several extra payments a year to pay down quickly. This time I can put a sizeable down payment to finance for less months w/ lower interest. My concern is getting into any accident an losing that down payment . Also, seeing how the M3 is retaining value I can easily break even with financing OTD and having a lower monthly payment and making a few extra payments a year. Which should I go for?