Generally speaking, banks don't like giving out loans on anything older than I think 5 years and 75,000 miles. Unless your credit is utter shit its hard not to get a loan, but the interest rate will suffer, and without knowing length of term and interest rate theres no way to estimate what payments will be. I'm willing to bet the dealership offering that deal has in the fine print that the price is good only with some sort of large down payment. Like $4,000 or more, and probably either a lease or really long term. If you really want to find out what you can get just walk into your bank and ask to talk to the person that does car loans, they will be more than happy to show you what you qualify for.