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Old 03-25-2008, 08:23 PM   #4 (permalink)
e60.deluxe
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Join Date: Apr 2007
Location: Lake Forest, CA
Age: 22
Posts: 4,952
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OTD should be every penny that you pay to the dealer besides financing.

on your finance contract it should say amount borrowed. that + your down payment + trade in value = OTD.
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