I don’t think you want to start borrowing from your life insurance. But you should check around on truck financing. If you belong to — or can join — a credit union, that will usually be your lowest rate on a used vehicle. Used car salesmen make most of their commission on selling you the financing! Remember, you are not comparing the monthly payment — but the total amount you will have paid over the life of the loan. So you want to ask for the total price of the car, including the sales tax — minus the trade-in (if any) and that is the amount you will have to finance. Check around. Bet you can find a better deal!