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I think I got a kick ass deal...
2012 328
Sapphire Black
Premium Package
Sport Package
Satellite Radio
Tech Package
Heated Seats
Split Rear Seats
Bluetooth USB
MSRP 45,600
Purchase Price 41,600
No Down Payment
MSD x 7 ($4000)
MF 0.00142
Residual 65%
36 m 12k/year
Total OTD for me was $4,907 ($4000 was the security deposit)
Monthly payment with tax: $493
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