It might be wiser just to pay of your current 2002 cruiser, picking up extra debt isn't fun in life (unless you make alot of $$$$$, and have nothing else to spend on).
If you wait another year or 2, the newer PT's are comming out. Of course, the wait might seem like torture, but it might be a worthwhile wait to see what's the new line up of PT's are available. MAYBE there might be a SRT-4 or SRT-6 series that dwarfs the current GT models. Patience can benefit you here, than succumbing to the urge to get a GT now.
Back in 2002, I wanted to buy a PT Cruiser, but knew a turbo series was comming out, so I waited 2 years till I got an 04 GT (I didn't want 1st year turbos [
]). Long behold, my patience paid off, the 04's can get Stage 1 with just a swap of the PCM.
Be patient now, than see whats new around the corner in a year or 2. Who knows, I might be jealous because you waited and bought the 06 PT GT with 300 HP (Just pure speculation, no facts to back up this claim).