Hi Leonid:

I've been looking at the used 2003/4 market too for a 9-3.  You should
be able to obtain 3.9% for 3yr, 4.9% for 4yr and 5.9% for 5yr if the
9-3 is certified and warrantied by Saab.  What options does the car
have?  It sounds slightly high for that year (regardless of mileage),
unless it has a navigation system or every bell & whistle possible.  I
was looking at a 9-3 manual tran w/ 18,000 miles in Boulder, CO (Saab
warranty & certification) for $20k negotiated w/ 17" wheels, 6 disc,
sunroof, basically everything except climate control; w/ 4.9% 4yr loan.
I walked away partly for other reasons, but I wasn't sure I was
getting an amazing deal.

Take a look at ebay for a good price comparison (add $1500-2000 for the
certified warranty) and you'll be shocked ($16-$18k).  I've owned one
Saab before '92 9000 turbo, it had its mechanical problems but it also
has me hooked.  B/c '93 was the first model year of that series, I feel
a need to get the warranty, owners have had very positive or very
negative opinions of that year.

Good luck,

Jon