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At that finance rate.. I really would suggest get an old beater first, and save up/wait till you have a credit established.
I am actually a bit surprised by the amount of members that still doesn’t have a credit when they are over the age of 20.
I drove an old 1996 Accord for two years when I was 19, then decided to get a new Corolla after my Accord got stolen. By then, I have two credit card, and a very good payback record (thanks to a large amount/different accounts of student loans) Financed the Corolla with a cosigner (both exceed credit of 720) at 0% APR.
Got the FR-s few years down the line when my family needs another car at 3.25% for 66 months.
Are you in college at the moment? Because if you are, you can always wait for the opportunity to use the college program from Scion and lock your rate at roughly 3~4%
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