conversation: User (NotMonicaLewinsky95): "I've always had pre-owned cars, but my current one is falling apart and it's time to buy something that will last. I have explored all of my options and it seems that buying new (2018 Honda Civic SI) is probably the best choice for where I am at right now. I've seen occasional posts about the do's and do not's, but what do I really need to know? Thanks everyone!"
  Self: "Why not get a '17 SI?\nOr even a '15 SI????"
  User (NotMonicaLewinsky95): "I'm in my early 20's and have run into an issue where banks don't want to approve a loan on a older car. Their explanation is that older cars are typically sold "as is" and are prone to developing problems faster. If problems occur, many young people default on the payment and the bank ends up losing money. Newer cars are more likely to be approved because they're covered under extensive warranties and a safer financial investment (from the banks eyes). That's what has been explained to me, anyway. A '17 I could probably swing, but they're much harder to find near me. The only one I've seen for sale is in another state altogether and I do not want to buy privately."
  Self: "yes, they're talking about 20 year old cars...not 4-5  years old...you will have no problem financing a 4 year old car, that is the same exact thing as the '18..while being 8-9 grand cheaper. "
  Wakkanator (Wakkanator): "&gt; you will have no problem financing a 4 year old car, that is the same exact thing as the '18\n\nThe 2018 will be a new generation, so it's not the "same exact thing" at all"
  