Used Car Financing ?

I will be a first time car buyer. I would like to purchase an 2007 Cadillac for $20,500 after the dp and taxes. My question is what will the terms likely look like for first time car buyers? I have about 2 years of revolving accounts and thats it! I have a 650 f(A)ko. Is it possible to finance @ 5% for 60months or is this pushing it? If not what will my offers likely look like?