03 W8 Variant - bought new, $20K down, financed balance. Currently owe $10K.
Few mods - rims, rear spoiler, satellite radio w/custom antenna mount, built-in detector, tint, and little baubles here and there. Started mods before I bought the car! (window tint, custom detector install & rims installed before I got there)
Previous 00 GLX sedan was also purchased for $15K down and financed 2 years. In 3rd year, traded it towards W8 using trade-in amount as down plus $3,000 cash.
Mods included airbox change, rims, calipers, foglights w/custom-cut front lower grill, built-in detector, Zender rear spoiler, custom exhaust with lower bumper cutout, tint, mirrors, and other little baubles. Started modding about 6 months after I bought that one.
I don't mind financing as long as the terms are short and the rates are low...even if I have the cash to buy. Rather have the money sitting in an interest-bearing account earning 8-10% while I pay off a 3.9% loan!