I just recently bought the MS Protege. It was still new enough (2003) that I was able to get new car financing rates on it (3.49%?) if you look around you will find that some places will loan at the same rate for a newer used car as they will for a new car.
For user reviews and information about the Mazda3 and MS3 check out the mazda 3 section at MSprotege.com
http://www.msprotege.com/forum/forumdisplay.php?f=142I drove the 3 before I bought my MSP and I was not impressed with it. I thought the focus ST was a better car than the Mazda 3.