Going in to our fourth year of retirement we are due for a new vehicle for dependable travel. Wife won't hear of a used vehicle - this could be our last car! For those who have recently purchased a new vehicle did you pay cash, finance, or pay part/finance part? Is getting financing hard? What do you need to bring with - pension stubs/ss statements? We did a 50k remodel last year and trying to refinance or get a HELOC was such a hassle that we just ended up withdrawing from IRA. Looking at about a 40k vehicle so would require another 55k withdrawal this year. Have about three years left on a mortgage. Thanks to a great 2013 our IRA has already earned back the 50k we withdrew last spring.