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Ok, so it's time for a new car, and I think a 320dSE is going to be the one. Either new or very low mileage. I have a W-reg 330dSE with 80K miles to P/X. I'll probably be a "cash buyer" because I can borrow against my mortgage at 5.4% APR. I can't see any finance deal matching that, but happy to be proved wrong.

I know times are hard for dealers right now. What kind of a deal can I expect to cut?
 

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Not sure what price 320D are, but if its a brand spanking new car I'd push to try and get £1500 off the list price. If its a relatively newish used car, I'd be looking to pay no more £1K - £900 less than the sticker price. (this is what you could easily get when the economy was strong!).

May also be worth acting like you'll only get teh 320D provided the deal is right, otherwise it makes no sense over the A4 stating its got a much better interior, better looks and equipment etc etc.
 
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