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X2 on loan fine print. Personnel preference but I rather a lower note with the ability for early pay off, have done this with last boat. They(Credit Union) where offering special loan rates at the time with different interest rates per term lengths. If buying out of state, as I did, check with the Dept. Of Revenue on current rules, I played hell with them in Lafayette getting the state tax's done(I'd get finger cramps going into details), and you will have to pay local tax at the school board. Good Luck with the purchase!
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