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Originally Posted by Sample00
in the case of this young lady, if she wants the car bad enough, she is gonna have to bite the bullet.
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True, but potentially only temporarily. She can get, say, 4 year financing, and re-finance after the 1st year with (ideally) a better credit rating, allowing for a better financing rate. She could also re-finance at that point for 3 years, so the term would be the same as her original agreement, but the interest rate she'll pay will be reduced.
But yes, she'll have to bite the bullet and pay high interest for now.