Those money factor rates are the same I was quoted, but I did other financing...
One likely reason to "bring you in" is to put you through the grinder with the F and I guy to sell you extended warranties at retail pricing, protective coatings, wheel insurance, tire insurance "don't want to pay prematurely to replace those expensive run-flat tires, do you?". So just remember, when they "bring you in", you have the right to remain silent, anything you say can and will be used to extract more money from you......
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