I was in a similar situation in 2013. To be honest, when everything is said and done, unless your downpayment is at least half of the cost of the vehicle your still gonna have to finance the other half anyway. What I did was use the downpayment money to purchase the best extended warrenty offered, maintenance plan, alarm system, and a few buttons and whistles to include a clear coat tretment for the paint and window tint. But my advice is if the difference in car payment is less than 100 bucks,,,, then keep your money and make the payments instead. If you just want to spend the money,,them make sure your getting the best benefits and protection package the dealer offers. But if you dont want the added cost of the vehicle. Then just keep you money whole and save it for the costs that come with vehicle ownership later.