Nissan gave me 3.75%. As far as extras, decline everything including extended warranty.

I also didn't take any of the extras, except the extended warranty. But mine only cost $1750 and it was the Security Gold Plus which I thought was the highest...

i got them down to 5.0% percent. i'm only financing a year and about 11,000. Plus they kind of screwed me with the timetable. the financing person didn't give me a number until yesterday at 4 and then didn't call me so i have had no time to get another loan. i'm just going to go with that.

Thanks for the input on the extras. i just found this btw (For anyone that has comprehensive insurance that includes mechanical breakdown insurance):
Direct Comparisons

Both mechanical breakdown insurance policies and extended warranties provide varying levels of repair coverage for your vehicle. Mechanical breakdown insurance policies offer the convenience of being able to cancel a policy at any time and cease making payments. On the other hand, extended warranties are usually paid for all that once and in advance; therefore, in order to discontinue coverage—you would need to cancel the warranty and then request a refund for a prorated share of the warranty that was not used.

It is hard to determine which type of coverage will be better for a given car and particular individual. Most of the time, whether you choose a mechanical breakdown insurance policy or an extended warranty will simply be up to you. However, you should be aware that if you're buying a new car or a relatively newer model used car that the manufactures warranty will cover most defects and costs of repair during the standard warranty period. Therefore, if you are purchasing additional coverage for a car that probably won't breakdown anytime soon, you might consider using the money that you would spend for mechanical breakdown insurance or extended warranties to pay down the actual loan balance of the vehicle.

In fact, many car industry experts claim that both types of repair coverage are not needed in most cases—especially with newer vehicles. The chances of a newew vehicle needing major repairs is often slim with today's better made vehicles. Therefore, many industry experts say that you should save that money, and simply pay for the repairs yourself as they are needed.

How Does Mechanical Breakdown Insurance Compare to a Warranty? - carsdirect.com

so basically if you have both extended warranty and MBI its a waste of money....?

I wish I had the money to pay off the car after a year !!