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I'm not sure about now, but previously the advantage with borrowing from banks was you can usually get a 2-4k+ cash discount when buying a new car. Or the alternative is 0% or 0.9% financing over the term but no discount. It sounds like Mazda is offering a decent financing rate for their CPO vehicles, but maybe selling the vehicle at a higher price to compensate.
I bought new once, and will never buy new off the lot again. The immediate 1-2 year hit to depreciation is too big, I don't mind driving 2-4 year used and letting somebody else take that hit.
Another option to look into is maybe a lease takeover. Maybe a bit more limited in terms of selection, but if you can take over someone's lease obligations for the remaining couple of years basically paying for the car's depreciation, then figure out if you want to buy the car out afterwards or move on to something else without any hassle or obligation
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