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Why This Is a Great Time to Buy a Car

Tough Economic Times Mean Desperate Dealers Are Ready to Negotiate a Good Price

Car Dealers: Zero Percent Financing

You will even find some stunners, like the fact Toyota is offering zero-percent financing. Normally the Japanese automaker doesn't have to offer big incentives like that because its cars are so popular.

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Just keep in mind that zero-percent deals make juicy advertisements and lure people to the dealer's lot, but not everybody qualifies. Those deals are only available to people with tip top credit. And the bar has been raised as to what constitutes a great credit score -- 680 used to be considered excellent, now lenders would prefer to offer their best interest rates to people who score 720 and above.

So, it's a great time to get a car if you can get a loan.

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