No I haven't really looked into other options as I have been pretty busy with work lately. I just swung into the dealership the other evening and spoke with the finance guy about it.

I will explore other options though, it shouldn't be too difficult considering I have the income and a large down payment, I thought I would be a lenders dream in this economy.

I have always had a mind set of "if I can't pay for it in cash I probably can't afford it" so I have no credit cards, and no loans. This has been good for me, but apparently hasn't done much for my credit history, even though I have a very good credit score.