My take is that if you don’t plan on selling it, it may be worth a roll of the dice. That being said, the stated/known problems may be the tip of the iceberg, and you may be buying a money pit. $72k isn’t pocket change(for most)so id proceed with caution. I wonder if there’s a way to inspect the car prior to purchase.
Just went through this. PFS is 1-2% higher than banks/credit unions. I ended up with 6.1% through B of A, no prepayment penalty and I can refi with no penalty if rates decline.