Re: looking at cars - make an offer?
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I'd say you are offering way too much. Ignore Blue Book and look at the wholesale value they probably paid for the car, work your way up from there. You're probably leaving a few thousand on the table with the potential offers you are throwing around in your post.
Financing with the dealership will probably get you a better deal as they make money on getting you financed. You just turn around and pay off the loan immediately.
[/ QUOTE ]early prepayment penalty probably exists
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