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If I were you get pre-approved first at your credit union or bank. Since the price varies in every state or area of the state it's hard to suggest a good price. Also each car may have accessories added to them. Check out the the website of the dealerships. I was offered invoice price at one of the dealership in my area. You will get a better price if you're paying cash. Getting pre-approved first (not at the dealership) basically means you're paying the dealership cash/check.
Let me ask, why an auto?
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