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That price sounds about right for the Civic, they are still going to make money after holdback. I think $20K is a super fair price on your car, but being upside down on a trade always sucks. You need to decide whether or not you are going to drive this car long enough to pay yourself right side up so when you sell it you aren't going to have to finance debt from your other car, that is never smart financially.
Jon
PS: And as everyone b4 said, watch out for add ons, if they try to push them on you just walk out.
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