IMO take the lower payment and over pay as you can. You don't want to be stuck with a 700/800 a month payment that you have to make because you signed up for that. Things maybe be good now but 2 years is a long time and what I something happens that you lose your income. It's easy to make a smaller payment with option to over pay the having a large payment and have that unknow risk of now be able to make it and lose the car.
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