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I paid for mine in cash, but i would say that as you have a 172 already i wouldn't pay to much for the 197 as it is definitly a better build quality but that is about it.
But if you want one i would say make sure it has the cup chassis and that it is RB
im lookng at one for 12500 which i could prob get down to around 12k i recon. im just wondering what sort of finace they could do on me. yer it looks better built n alot stronger. im going to renault on saturday to see hwat they can do for me.