Looking to purchase a truck

Looking to purchase a truck I found a private party truck I like, and think I'm going I pull the trigger. Im trying to decide just best how to 'pay' for the truck now. I'm self employed, and have some cash sitting around in a safe, yes I know it should be in a hysa, or some alternative, but it's not. I have a credit score over 800, and even still my finance rate for a use...

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