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Unless there is something wrong with your car, your best approach would be to pay it off and wait on the future purchase. It's a wise step now to distinguish between a "want" and a "need". At then end of the day, regardless of what anyone says, most folks will do what they want but please remember this, car salesman are in the business to sale and they will make it look like a great deal to entice you to make the move. A little trick they pull is to offer you more for the car than you expect but add it to the price of the new one behind the scenes...buyer beware.
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