Coming back to my situation. The initial plan was to buy cash... unfortunately I had to fund a emergency surgery for someone in need so I am back to looking at financing options. I hate the balloon idea, and don't really care for the future value offer as the intention to have the car for next 8+ years. So if my bank gives me Prime -1 and 72months, the rate is almost the same as GFV Value with balloon... But the balloon is the buy back value so it gives you that piece of mind - contradicting thought process.