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You pick out a new car and the dealer is offering 0% interest for 60 months or a cash back bonus of $4,000. You're negotiated

You pick out a new car and the dealer is offering 0% interest for 60 months or a cash back bonus of $4,000. You're negotiated price is $25,000. Your credit union is currently offering a special interest rate of 3.5% for 60 month car loans. What should you do and why?

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