I ended up having to buy another car and after the dealership gave me 3.9% I checked with my credit union and they had 2.4% so I ended up refinancing before the first payment was due. I wish I'd checked with them first, but it just didn't occur to me. I've never had issues with financing cars before. I guess if you know you might be buying in the future it doesn't hurt to open a small savings account at a credit union in preparation.
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