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Mid to high teens for a first time buyer with little to no credit history isnt so far fetched, my first auto loan was at 18.99 cause I had no credit and no co signer, the credit union I worked at wouldnt even approve me for a loan. It is bs they wouldn't give you a breakdown though. I would say build up so credit and savings before you buy a brand new car. But if youre set on buying now find a differrent dealership that has better sales people.
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