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+1 credit unions. Dealer financing can be heavily padded regardless of your credit score/history. I have a nearly perfect credit score with ~22 years of history, and a dealer offered me 5.99% for 60 months on ~58k financed. I already had 3.5% from a local credit union for 48 months lined up. This was a private used car dealer who used Alphera fin svcs.. which then seemed to be bmw finance under the hood. *shrug*.
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