#1 piece of advice from me would be to NOT spend $22k #2 don't buy something brand new because cars/vans depreciate pretty much immediately #3 rather than look at how high of a loan you can get, look at how much you can afford per month. For example, when we did a car loan last (we are debt free now) I called our credit union and asked them what would my loan be with a monthly payment of $275. (For us that was $15, 000 with a low 1. 75% interest. )