What are you, Asian?
The best time for a student type earner to buy a new car was December 31st. Sorry man. Also, why would you want to pay interest on a car? Car payments are the dumbest thing, in my opinion, because they depreciate way too quickly in value to even be worth it. You're much better off with a leasing option on a new car, or buying an '05 model of something, as dealers will have them for dirt cheap (if they still have them - that's the whole December 31st idea - you can pick one up for cheap because the dealers are trying to get rid of them to make room for the '06 models).
Points to take home:
- If a dealer has a new '05 model, it'll be way cheaper.
- If you're giddy about the Civic's redesign and don't want to lose those changes by stepping back a year, move to another brand. A Corolla S can do all the tricks a Civic can, and hasn't changed much from '05 to '06.
- Car payments are dumb. In fact, interest payments on any depreciating property are dumb. Lease, buy used, or buy old.