If you pay more than $36-37 OTD you are getting hosed.
What may work best in your favor getting a nice lump sum o cash from granny and paying up front is to negotiate and tell them, "yea you'll finance, blah blah." They make their money off financing through NMAC and you would probably be best doing a penalty-free loan through NMAC for best price. Just pay it off in a month and brag on here about your deal and disposable income after the fact.
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Bitch ex wife's scumbag lawyer made sure this went away.
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