Get the 12 with 0%, say you financed 35,000 at 4.5% you would be paying $4,150 in interest. Used car rates are higher as well even though you wouldn't finance as much. So at this point you're a couple grand cheaper to buy a car that's about to be 4 model years old. Regardless of the miles the resale on the 12 will make up that difference, if you want one more reason there's the entire warranty left on the new car; if you buy a used car warranty with 3/36K bumper to bumper no deductible it'll cost a couple grand.
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