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Message: <blockquote data-quote="E46Fanatic" data-source="post: 239991" data-attributes="member: 81">Anxious, not many people have such good foundations of buying things cash in today's credit driven world.  I think its a great thing.  It shows how much self control you have.  Dont be tempted and do what I did LOL. The new car HP interest rate was very low when I bought my E90, basically 2+% HP rate which equates to effective interest rate of just over 4% for me (not much more than 1 yr FD savings rate).  Since the E90 was not a planned purchase for me, I took the easy way out of not forking out a significant amount of cash and traded in my E46 which was fully paid off, and financing a bulk of the balance.  I just finished paying off my 2nd house a couple of months ago and it feels superb. The E90 is standing in between me being the status of completely debt free.   I can't wait for the day to come!</blockquote>