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I am a USAA member so I would be able to get a used car loan at 2.75% APR.

I might be a little biased, but the Tucson is a great vehicle and very reliable.
Saying that I have no idea how it would perform in the snows of New England......we don't get a lot of snow in Mississippi
Not to be disrespectful but I really think you can do much better that 2.75% for a loan. Have you tried your local credit union?
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