[BoogerFace]

If it were me, I wouldn't buy used. You are still going to have the occasional repair bill to contend with and on top of payments it will drive you batty. Every make of car is going to be relatively problem free during the warrenty period, you might want to consider buying american and dumping it after a few years.

Credit unions will have the best rates.

The voucher thing isn't such a big deal at least at my credit union. Most dealers that sell new cars are famillar with them. Anything that is 'certified' pre-owned probably would qualify. The lender should be able to get you a list of dealers that can handle the vouchers.

The zero percent financing is usually impossible to find with the Japanese imports.

If you really want the least hassle in terms of getting a car, look at leasing for a couple of years.