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My situation is annoying, but it isn't that bad. If you are in a situation where your car is in build/delivery purgatory and the dealership tries to stick you with a higher rate because of the delay, I would raise fucking hell. If the dealership claims the financing terms are out of their hands, you should show them the difference in interest payments over the life of the loan and demand a credit. Assuming you're financing ~85k over 60 months, one point on the loan is about $2,000.
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