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Someone at my place has a new BMW 4 series, and it's beautiful. In theory, I could probably afford it. But when I replace my Civic, I'd rather spend $25k on a Subaru Crosstrek than $45k on a 4 series. That's a different question on prices. Should Americans who can receive a six year loan on an average priced new car take that route, or are they better served buying something less costly or used with a four or less year loan?I love my car. I hate my car payments.