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The people are right. It's pretty much that simple. Unless you are inept at basic repairs and maintenance, or you are really unlucky and buy a total piece of crap, a used car will always be cheaper. I can go get a pretty decent used car for 10K, pay cash and drive it for 3 or 4 years and buy another one with the money I saved by not having payments.
Also, a decent credit union should be able to do better than 6% on a new car.
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