Would you consider looking at the used market, and specifically a lease takeover from someone with a relatively newer vehicle (2013+).
You can take advantage of the depreciated price (10-25% less), still get into a payment stream to manage your monthly cash flow and if you wanted to pay it off, your overall cost may be reduced as you wont need to pay the unearned interest that is remaining on the lease. In addition, most people understand that the current lessee may have to throw in some cash to you to balance what the vehicle is worth versus the remaining balance.
If you plan on holding the vehicle for long term, this may be a great way to lower your cost outlay for a vehicle.
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