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I acquired a pre-approval from my neighborhood credit union for 2.09% for a car or truck (I finished up finding a two year old model). As soon as the salesman stated that 3.5% was the most effective rate that is possible it couldnвЂ™t be beat, I’d a difficult time maybe perhaps not laughing. I did sonвЂ™t have to negotiate aided by the dealer, however it felt a complete great deal better hiking to your dealership knowing We held some cards which they didnвЂ™t realize about. Once I first considered purchasing a car or truck, my plan would be to pay the car off as quickly as possible and on occasion even pay cash, however with such a reduced interest (likely less than inflation within the next four years), IвЂ™m thinking about perhaps not investing a supplementary cent on this loan and instead centering on paying down my greater interest student education loans (greatest have reached 6.8%) and beginning a good investment account.