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Instead of putting down payment, use Multiple Security Deposits to bring down the MF. With 7 (maximum allowed) security deposits, your MF will reduce by 0.00049, which gives you a rate of 0.00076 (0.00125 - 0.00049). This reduction in MF will save you about $75 a month, and you will get all of it back at the end of term.
Also, it looks like they are selling you the car for more than $68k, is that right?
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