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If i had to guess, for a 5 year (60mth) finance, the Subaru will be 4.9, and the Scion 3.9 or 4.9
Credit unions, last i checked for myself, was prime + 2-3% . Also note that Car dealerships do 'simple' interest. Banks do compound (the fair way). So a 4% loan from a bank should be cheaper than a 4% dealer finance for equal terms.
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