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if you have another car to drive, sell your trade for top value and use the cash as a down payment or use it in the market/cypto and some as a down payment.
Thats what i did, sold my other car, took advantage of the crazy used car market, got top dollar on my car in cash, and driving my beater as my daily until my m3 comes in.
youll always get more on selling it than a trade in.
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