Im putting 30k down, financing 11k (41k OTD)

Yes that is a good down payment.

Are you going through a bank or credit union, cause some banks finacing that low of amount will give you a higher rate because it isn't making them much money in intrest.

In line with what Lou is saying... if you can't get the lowest rate with that mount, I would finance $15-20k, and then pay an extra $4-9k in the first payment. You don't pay any more in interest over the course of the loan, and the only downside is your monthly payment will be larger (but the loan will be paid off more quickly).

And most loans there are no pre-paid penalties

Will dealers still get you qualified and then raise your interest rate to make more money on you?

Yes, we are allowed to mark up the rate. Rates are negotiable. Most states cap it at 2% max mark up

pd cash ,hate to finance my toys ,but in my younger "military" days 10% or whatever the min was.