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Avoid dealer loans. They do things like not let you pay off the principal faster you have to mail in hand written checks to pay off the principal. There is things like this with dealer loans they work to their advantage. Why go through a third party middle man for what you can do on your own?
Go to credit union get the best rate you can and if you want to see if your dealer can beat it then go ahead. In my experience it's always always better to avoid the dealer.
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