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I have been thinking of getting a new car, but didn't want to use the dealers finance system, so I went to the bank. Turns out, banks will only give auto loans if you're buying a car that's only 3 years old.
yeah right, since I can barely afford a new car, lemme just buy a BRAND fuckin NEW one. Nah, gimme that 2012 for 30k less thank you.
Some banks will probably loan you money for a used car, but you won't be able to use an old car as collateral (as easily). And it may be more expensive.