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If you do decide to buy, you can get better rates from a credit union. They'll cut you a check that you can take to the dealer and see if they can beat the CU rate. Give yourself a few days to arrange it prior to picking up the car. My dealer couldn't beat the CU rates (and I have perfect credit), so I ended up using the CU check/financing. The ballon option didn't make sense either as payment was the same as the lease at their rate.
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