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gbj_tester
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i'm considering purchasing a new car, thinking of pushing the boat out a bit and treating my(our)selves to something non-shit. Most dealers offer finance but i'd rather steer clear of them because they're cunts to a man and i'd like to give myself the option of going private if possible because options. ideally i'd like to pay half up front from my own pocket and take a bank loan out for the remainder.
has anyone successfully negotiated the APR on a loan prior to taking one out, or are the quoted % pretty much as good as you can expect to get?
Fools errand or sound plan?