You might be surprised how much longer your vehicle will go. 10 years old with 137,000 isn't even that much these days. I've been waiting for my SUV to die for a while but can't justify the purchase when it keeps going and knowing that I wouldn't be able to get much $ for it anyway. There have been intermittent 0% offers in the car world for many years now. I bet you could buy a particular model of car that is one year old and pay 10% interest and it would still probably cost you less than buying the same model new with 0%.

New cars sure are nice though.