For me, this isn't my first new car purchase, so that helps. I had to get my parents to cosign on my first one ten years ago and still not be able to negotiate much on the %.
These days, my credit is fine (not great, mostly because I don't have a mortgage, I rent), but I'm low risk due to my job.
We'll see when I go in tomorrow. I won't be surprised if there are...well...surprises.
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