Does that money factor sound fair?
As for the tc, I've made my last lease payment on it and I can go to Toyota and sign it over to my name any day now. Or just trade it. Same difference as far as I can gather.
I really want to find a '11 Golf but there simply aren't any. I could do 0% financing for 5 yrs and put 4k down but even that is a little more than I'd like to pay every month. I don't know what to do. Maybe I'll just drive the tc for a while and sell it on my own for more money. Then wait for a golf to come up for sale.
Thanks for the continued advice.