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Not sure how you would find out the rate, but 3.79 is a good rate, it's what I got and was better than any local credit union or online bank could do, the best I got when I was looking myself was 3.99. You could ask him to beat your preaproved rates or you will just use them. There should be no difference in the sale price of the vehicle either way, and it is not complicated, I've done it before and it usually takes one extra trip in to the dealer to sign papers.
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