Weight the interest rate against what you expect BTC to do over the course of a loan. Then calculate your opportunity loss by not being able to buy BTC instead during that time. See how much you're really losing. I hate buying expensive things but if it's for a bigger payoff, it can be worth it. Get the one that will last the longest vs. the opportunity cost of the car. Maintanance and parts availability are also factors. Should be pretty good for both I'd imagine. Ford is probably a little cheaper, but not by much.

Anyways, gm. ☀️