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yeah, best way to go is to go to edmands,kbb, or nada and find the invoice price which is.around $31433. take of additional 3% (hold back)and find out what ever the dealer fee is. and minus that. from you offer that should be a soild deal for you and not to diif, for the dealer to take.
but i am 23 years old and also was 21 with a 730 beacon. but credit is juged by beacon #, credit high (amount fin. total) also debit to income ratio.
i needed a co-signer for those reasons when i tried to by an 03 s2k. that might be why they hit you at a high rate. but do shop, always shop around.
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