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You like the car, you've broken it in, you've tested it, that would mean a lot to me. Not all cars (same make, model and year) are created equal. So I'd keep it if I were you.

The rest is a question depending on your finances, which we don't know .... I would always favor just cashing a check if you have the assets. Even if they give you 0% interest, the financing might force you to have more expensive insurance, authorized services, etc.
 
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