auto loan recommended companies, recommendations?

osanshouo

I have a 820-830 credit score.

On the market for a used Z, its extremely difficult to spot a used low miles car at dealers.
In the private sector have found a few but usually hit a wall at the moment of loan application.
The APR almost doubles for a used private seller, regardless of my Fico score.

Any good lenders which will offer a lower than 3.50%?, thats as low I was offered for 60 months.
BOA which I have been with them for more than 10 years gave me 4.10%, Navy Federal 3.99.

I have never made a loan outside a dealer so maybe those are the current numbers.