Obviously 7% is out of the question, but 3.99 may be too low if you have little credit. On a 15k loan the difference between 3.9 and 4.9% over 5 years is 408 dollars extra interest over the life of the loan.
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2010 Platinum Graphite 370z Roadster:Touring/Sport
2013 Subaru BRZ Limited
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