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Dealers will give you "preliminary" numbers before they run your credit to see if you you are a serious buyer or to just get things rolling. Once they do run your credit, they will come back with a different montly payment based on the amount you finance at whatever interest rate you qualified for. If you have doubts, I would get a loan quote from your bank or credit union, then you have an interest rate to compare. Also dealers will sometimes add points to your interest rate when you finance through them, always cheaper to do your own financing.
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