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I asked Brian this same question a couple of weeks ago and you are correct. 20% is required for 0% financing. And you cannot use the incentives with 0% down financing. it's an "either/or" proposition.
You *can* apply the incentives if you are leasing (although they may vary from model to model). I think it is $4k for 9-3s and $5k for 9-5s.
posted by 155.58.5...
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