You can always tell them you have found a private buyer(cousin) and then say he backed out later. That one always works...lol
Nissan does have 3.99 if you are at 80% LTV. But I know other banks have great rates. BOA I think has like 3.79 or something like that. Just do some calling around.
Lease isn't the way to go unless you can write it off in your business. Or your company will pay for it.
Lou
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