Welp...just got off of the phone with the Loan department of the UFCU...I'm pre-approved for the $5,500. I'm gonna finance that bitch for a long ass time (6 years) so that I can get a lower car payment. My payment will be $103 on the dot...which is about a 10.4% interest rate...the rate sucks, but it's better than the 11.75 I had on the Integra. So if all goes well...I'll be going Wednesday to get it.