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For 1.20% at USAA, don't you have to use their car buying service? Otherwise it seems to be 1.45%. You save the .25% on new, via the service. Seems like the service gives decent prices, ~$1500-2000 over invoice for the few models I built. Not spectacular, but not too bad. And you get $1500 automatically off for USAA member, so that puts you close to invoice price.
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