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FILE – In this Feb. 1, 2010 file photo, 0 percent financing for 72 months is advertised on a GMC Sierra pickup truck at a dealership in Center Line, Mich. When a car dealer offers to loan you the money to buy a car at zero interest, it gets your attention. Yet that cheap money might not be the best deal you can get. (AP Photo/Paul Sancya, File)

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