Wizard , given your parameters, I wonder, if getting the best buy you can on a new one, would be your best option. In particular, the longer term loan, and the warranty. You mention.
I am not knocking, the ex-rental warranties, They are better than no warranty at all. but in reality, 12000 mile or 12 months. Average user puts on say 5000 to 6000 a year, so major power train, about a 5 to 6K warranty, is what you are really getting. And 30 days on appliances, nice but not really all that much. New warranties, will be much longer. If that is what you want. Maybe best for you to go new.
And a new one, I would think you should be able to get a much longer term loan.
Just a thought
