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Where do you bank? Call them, ask them what rate they are offering. Check credit unions. Take the initiative if you want to save your hard earned money.
With regards to CPO warranty, get it:
-If you think you will have peace of mind. And/or if you think the car may need expensive warranty repairs.
-If you do not have a mechanic/workshop you deal with that fixes your car.
-If you think you will sell the car within the CPO period, your resale value may recoup the cost.
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