Have you considered going 1-2 years old and getting a better car, or the same car for less money? Brand new is throwing away a large amount money.
A lot of dealerships such as Acura and BMW have good financing rates on used cars too. For example, Acura will give you 3.9 on 3 years, so if you got a good price on a 2006/7 civic from there, you could save a lot.
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