I like your come back post " Lorena " shows me you don't have a clue what your doing " lol " but hey take it as a compliment as most buyers can't find the time to study their options like you have looking for answers.

You say Ford poor quality ?,,,, have you checked consumers reports lately " the Fusion is rated #1 above imports and again I say the Focus is more value for the money in it's class than any import.

You state you want to sell the Jeep privately, there are about 12 - 2004 Jeeps for sale within 100 miles from your zip with an average asking price $13,000..

Selling your Jeep private is OK but you must consider the tax factor, between paying tax on the diff " where you to trade " compared to the full amount when buying.

As for paying cash,,, you simply leave the Q open by saying " have not decided ",,, had you have had the time to study this web site in more detail, you would not have asked this Q...