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As lenders do not publish their full lending and interest rate criteria, be wary of choosing a lender based solely on the fact that it appears to offer the lowest rate.
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If that's not sobering enough, look at the total amount you'll spend on the car loan (this excludes the down payment).
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The trade-in value of your current car is $10,000, and right now, you only have enough saved to be able to make a down payment of $2,000, which means that ...