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I felt super unlocky to have my car arrive the month when the rates have gone up 3 TIMES!! What I decided to do was get the longest term I could to keep my upfront cost down as much as possible. My thought is the rates have to go down eventually. I'm hoping by this time next year or sooner. I will then refinance at a lower rate with a much shorter term. Obviously the issue with this will be depreciation. We'll have to see how it all works out...
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