A certified pre-owned car can save you thousands, but a new car sometimes wins on finance rates. Here is how to compare.
Depreciation
Most cars lose 20–30% of their value in the first two years. A two-year-old certified car lets the first owner take that hit.
Warranty
Certified cars come with an extended warranty, often close to a new-car warranty.
Always compare the total cost over the loan, not just the sticker price.
Interest rates
New cars sometimes carry promotional rates as low as 1.9%, which can close the gap.
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