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In that price range, IMHO people either lease or PIF. If you get a 0% loan for 5 years, a 1k monthly payment is high but to be honest I was paying 1400 in a DMP program for 5 years so given the choice I would have taken the car payment.
I need a high payment for tax purposes. I either spend the money on a car, or give it to the IRS. Which one would you prefer
?