There's no secret. Either you can afford it or you cant. Save up 20% and pay around 450 a month for 60 months. If you can save more for a DP then your payments will be less. Take off $20 a month for every $1000 financed. You can do it on 40,000 a year if thats what you want but if that's what you make before taxes it might be a stretch. I make over 60K gross a year and can afford a new cobra comfortably if that answers one of your questions. Good luck man. Im sure you can find a way to get one, the key is a big down payment.