That's really good, it's low miles to be a 2013 Camry. Toyota is a very great reliable, dependable, quality brand. However, it also depends on how the car has been treated. If you have a record of all of the maintenance and or a mechanic report, that would really help. If all checks out good, I think you'd be better off selling the car yourself bc you will get more money for it. Then you can use some of the money for a down payment and possibly keep some money for yourself. Hope this helps.