That is exactly my thinking!
I tend to keep my cars for a LONG time so there is no doubt I will do likewise with this car. And you are correct in that Select costs more due to the interest on the Balloon payment but I like the option of having a low monthly payment should a need arise to have liquidity. I'd rather keep the cash in my pocket now even though I pay more later.
Now if only I can find some concrete evidence that Select = Special Rate (in my case the 1.9% or 2.9% for 60 mo.).
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