an SSE/i with gold or any trim besides black is unheard of factory, I don't know if BuyherePayhere is the best choice.....
Depending on how the LE runs I'd say hold out as much as you can or come back at tax time
BHPH are know for there Rediculous Interest Rates like 25% and up
a car sold there might go for 5,500 and in reality only worth 1,500 maybe, so your more than likely getting stuck with something not worth the heart ache, SSEi'* have a lot more matainece than thier counterparts,
Consider (if your actually going to buy)
did the previous owners use the correct fuel recommended by the manufacturer for maximum performance?
I'd say a SE or SSE would be a better buy just by the car being that old (only if you can't fix yourself) I personally wouldn't do SSEi no older than 98 but SE and SSE I'd pick one up from 90 to 99 easy.