I have one with a 4% loan from a commercial bank. I put nothing down but a 10 year old trade-in that was barely running for which they gave me $2000 credit. My payments are $373/month for 60 months. What I save in gasoline -- even at today's insane prices -- makes it a decent deal. For about $70 a month, we drive about 1000 miles. Our trip from Miami Beach to Philadelphia (1250 miles) was 2 1/2 tanks of gas!
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