Affordable AWD/4WD in MN? (finances went bad, need something quick)

I really appreciate this perspective and respect it a lot. If we can get a unicorn deal close to MN, I think that payment would work well for him.

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You should be doing this in the opposite order. See the deals on the forum, then make your offer to the dealer.

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Among many reasons to get a good PPI if going the used car route.