and then in addition to your car payment you need to have a large repair budget.
IMO financing anything that is out of warranty and could immediately need repairs = bad idea. Especially if its an unrelaible and expensive to fix european car. My Saab is paid for, but if it wasnt the repair costs would really be irritating, and it has been immaculately maintained its whole life. On most cars, the 60-80k mark is when things start going bad and major scheduled service needs to be done.