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Keep in mind: If you are not a cash buyer, you can usually afford to pay a little more to a dealer than to a private party. B of A is offering 3.7% on used cars from a franchised dealer. 4.6% for private party, which is down from the 6.5% they were offering on PP purchases when I applied recently, but that .9% will save you a couple grand over the course of the loan.
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