First I agree with everyone else in saying that tht 5k is top dollar for a 95. ANd even that would be pushing it.

I waited a while and got ahold of my 93 for 2k, already had 33s and a 3 in bl on it....along with 212k miles..

As far as the APR...I dunno whats out there now, but I belong to a GREAT CU, and my max APR is some like 5.25%. BUt, I am a stinghy , cheap sonnofa*&^&%$.
So, offer the guy around 4500, adn work up from there, if he wont bargain, even at the book value, that means he got suckered into a loan(probably), You wanna pay that much, c'mon on down to VaBch, we got 98s ghoing for that all day long....

Chase