According to this: https://www.calculator.net/loan-calculator.html?cloanamount=25000&cloanterm=0&cloantermmonth=84&cinterestrate=6.99&ccompound=monthly&cpayback=month&x=85&y=22#amortized-result taking out a 7-year $25,000 loan will set you back by about $4500 per year. Do you have records on how much you've been spending on your car annually?