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Your best rates are going to be from the manufacturer, if they offer a subvented rate. Even if they do, make sure it's not in lieu of a rebate. If so, compare payments with and without the rebate. Your next best rates are going to be with a credit union. Their rates can vary dramatically. The market rate for regular loans is about 3.5%, so anything under that is good. Sometimes credit unions or USAA has a special promo. If you're not financing a lot, the rate doesn't affect the payment much. Sometimes there are lease promos that blow away purchase deals. What model car and where are you located?
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