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I actually got a stroke of good fortune. Because I had submitted my loan applicated at the dealership on a friday night, they couldn't get direct approval right then and there. They told me that they could get me at least 4%, and if not, I could bring the car back no problem.
They called me in the next monday, turns out they could get me 2.75%. I was surprised that they even bothered telling me that, but the guy I was working with was a genuinely cool dude.
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