Yes, depending on how much you put down and your credit score will determine how much you pay monthly. I JUST bought me a tC Spec package (please don't flame on it cuz it's spec) for total of 18,000 cuz i bought their service package also. I got into an accident earlier and my 03' matrix was totaled. The insurance paid me back for the car and i used all that money as downpayment. They checked my credit score and came up with a monthly payment of $137 for 3yrs! That's cuz i have hella good credit. But ya, there ya go . . .