| Its a struggle for me not to spend every single penny I get, so I try to find ways to buy/save/finance that works for me. When I bought my Z, I actually borrowed $9000 against a $10K CD. How my bank does it, I ended up paying 2% on the loan. Since I had 100% collateral, I could use that money on anything and the car has no lien (since the loan is already secured on the CD). I just think of it as paying myself back. I paid it off early and my CD is still intact with its original APR (which is pretty decent). Anyways, just a thought...its how I did it. You should have some amount of savings/assets/collateral making that amount of money. Good luck!
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