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I paid cash with part exchange although I didn't accept the dealers original offer on the trade in. To get round the problem they did increase it but it was shown as a discount on the purchase. They did try and persaude me to take finance with all the usual arguments although only referred to the base rate rather than the APR. It was quite obvious that this as well as the gap insurance and 7 day drive away insurance is all about sales targets and commission and very little to do with customer satisfaction. If I had finance I would always go for a Bank personal loan
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