That is a tough call. Back in 96 we did a smart buy on a honda, and although we paid it off eventually, it really wasn't that smart of a buy. Unless you are going to purchase the car you definitely don't want to go over the miles. If you look around, sometimes the rebates are big enough to help you recoupe being upside down on the loan, due to rolling over from a prior "not so good of a deal". US car makers are more likely to do the higher dollar rebates.