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rule of thumb, never buy a new car unless you hit the lottery or keeping it till it dies, but when you drive the car out the lot, you already lost at least 30%
try to find a vehicle that is 2 years old or so cuz the big depreciation has set in and at least still have remaining factory warranty
as per loan/financing, try to get a pre-approval from the bank first then you can negotiate from the dealership for another rate
and last thing, do you really want to finance a depreciating item over 5 years?
try to get around 2 years financing by paying it off more each month
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