Seriously, that's a very good rate, but the other hand, how the hell can you justify dropping $35,000 or a Mazda? That's just ridiculous. I would check on the resale value of the car before you spend that kind of money. Take a look at what a six-year-old Mazda sold for six years ago, and look at what it's selling for now. Then take a look at the same kind of car under the Honda or Hyundai labels, and see if they compare in terms of how much value they keep. I'm betting that those two models do a lot better than Mazda.
The first new car that ever bought was a 1998 Honda Civic. I spent $18,000 on it, got over 250,000 miles out of it with no problems, drove the car into the ground, and still sold it for $2000 seven years later . I doubt very seriously if you could do the same thing with a Mazda. In the end, when you get tired of it, you'll be lucky if he could get more than $9-$10,000 back for it, depending on how long you held on to it. As soon as you drive it off the lot, you'll lose 4 to 5 grand in value depreciation alone. Food for thought.