That's what I was referring to when I said 2 for 1.

The bad thing is, you are just getting into another car payment (and likely another vehicle that will have negative equity for the first two + years of ownership).

Best option would be to keep the ZX2, sell the crossfire, and pay off the difference.

If you speak with your bank/credit union, and let them know what you are planning - they can likely help. Although you have two cars on your credit right now, you will only have one if you sell the XF and get a loan for the difference. That loan will be LESS than the loan on the crossfire, so you should be approved for it.

I am still young, but have finally gotten over the 'trade my car every 4 months' bug. I used to get tired of cars on what seemed like a weekly basis, and I would trade them. This stacks up negative equity really quick. When I bought my last vehicle, I rolled around $10K into it (YES, STUPID!)...BUT, I made extra payments (worked a second job) and have got it to the point where my vehicle is now worth as much as I owe or a little more, so I am 'even'.
This isn't on the crossfire, BTW...on my truck.
The crossfire is an SRT, so they hold value a little better...but we are likely negative on it as we just bought it. However, it is for my wife and she keeps cars - so we will own it for a while.

SQ