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> It's absurd, to be honest. We financed our last vehicle, because we got a price discount via financing. The FIRST payment term they brought us was 8 years. And this was for a 19k vehicle.

I’m gonna go out on a limb and guess it was a Nissan dealership. Nissan can’t sell enough cars without subprime lending, that’s my guess as to why you were offered a 96-month term lol.

With a prime credit score, Toyota offered a 3 year term loan to me which I changed to 5 years (2.5%, it’s free money)



Ford. The town is medium to low income. So I'm guessing that's their motivation?




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