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izach26 wrote:

so the whole finance for a 14 months, pay all on time, then trade is is a bunch of bull i guess

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Yes.  The only people that make out on that deal is the dealership and the finance people. You get buried in a super underwater deal that you carry over to the next vehicle. Unless you have paid a substantial amount down or during the 14 months you financed it - you are bringing over tremendous negative equity to the new purchase.