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the 4.89% is for the 72 month financing. I wasn't putting much down so the monthly payments were steep if I went below 6 year term. But you get 4.39% if you can handle the bigger payments at the shortened terms. With $5,000 down, my payments are $1,000 per month. But you can do considerably less if you lease. I prefer owning but to each his own.
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