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<<It is extremely unusual to get such a low rate without paying more for the car, either directly or by losing out on a rebate ( can get 1.9% financing or $500 cash back, not both). If you have a chance at a lower rate elsewhere, it is generally better to use that and take the cash rebate or lower price.>>


You're right.

And while this isn't the "Buying a Car" board (which, incidently can be found at, it's always very important to remember that you should NEVER disclose how you intend to pay for your car until after you've gotten your best price (the same goes for telling them you have a trade-in). This way, you can use the financing rates that are advertised after making the deal.

...but I still am...

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