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I paid $500 over invoice for mine. Or $200 over invoice if you count the extra $300 I got for my trade... 6 of one...

Down payment was full amount. Can't help with the payment question. Sorry. But I always have felt if you can't pay it off in 3 years or less, you can't afford it. (That's Bruce William's speak for ya). You will easily pay WAy over MSRP no matter how good of a deal you get with interest.

Worry about final price, then payments will be worked out. some on the board have negotiated payments, but that's not how I personally do things.
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