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If you get a good interest rate, it is not too bad to finance. Since you're only 22, financing a car will also help build up your credit fast if you are planning to buy a house in the near future. I'm financing one of my car right now even though I have the full amount to pay it off. I'm only paying .99% interest for the car for 36 months. With that said, financing for 2.99% or higher I won't even consider
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