Rates will differ from person to person due to credit score. Shop around and know your score before you agree on a deal. A score of 760 or above will generally get you the best rates as long as you have income to support the payment.
Watch out for dealer handled funding. Sometimes they get a kick back for hooking you up with the lender and sometimes they can get you a better rate than you can get on your own.
If you are checking around do it quickly and if buying, buy quickly after shopping rates. When the inquiries hit TransUnion, Equifax and Experian it will knock your score down a bit.
Marc & Jan
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