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"If you can afford to pay cash, in essence, then why finance?"
To qualify for a promotion of some sort.
I got a free tv once with a new car purchase, but only because I financed. I had the money for the car in checking, but took the tv and then paid off the loan as soon as I got the paperwork. There weren't any fees involved or penalties, so my only cost was a stamp to mail a check.
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