first visit your dealer to findout wat the otd price will be.
tell your new credit union how much you owe on the 09 to buy out, how much the new 11 will be minus the 09' trade-in and any tax/doc fees and have them write you a check with the lower apr you speak of. hand the finance officer at the dealer your check and you're on your way with a new car, new loan with new apr. they will issue 2 checks. one to buy out one for your dealer.
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