Originally Posted by theDreamer

Since a car with my name on it is coming I went to my bank to see what rate I could get, was able to score 4.5% (lowest they went), but since I am putting 20% (and more) down I get a 1 point discount making my rate 3.5%. Only problem is my car will probably arrive just after my 30 days which is how long my rate is good for, but my application is good for 90 days so I just get the lowest rate when I go to buy my car.