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I am grateful to be able to offer very competitive on the spot bank financing through a local Credit Union. Be sure to allow me to quote your financing before you go through the application process with other lenders. I can typically offer better rates and terms through them. They are a full spectrum lender. They offer rates that are based upon your credit score. This allows them to lend to all types of buyers based upon the credit risk. I am most certainly more convenient since you can sign and deliver with me on the spot.