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With scores around and higher interest rates, banks will usually require a down payment because of the higher risk for default. Also, we cant use just whatever score is highest. Some banks only use the Experian score or one of the other 2 to get an approval. The past few years, Honda has been terrible with low tier interest rates and other banks would be the way to go, which I suspect they did with the 11%. But the one thing you don't want to do, is go around trying to find the best rate as your score will end up alot worse than it is
 
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