[jc05e46m3]

Definitely negotiate a lower rate or walk. FWIW, I got 1.9% for 60 on a new F80 last year and put nothing down.

Try Penfed as others have suggested, and do your due diligence and call around on your own. Several credit pings will not look bad if they're in a relatively short time period, so it doesnt hurt to try.

Also, see if putting any money down will drive a better rate. Many companies want you to have skin in the game. If youre big on credit card ponts and have the cash to pay off in the same month, most dealers will allow you to put 5K on a card. I almost always do that for the points, but didnt for the F80 simply because I had a baby on the way and was spending out the wazzoo to get reaady for her arrival.

You can get better, guaranteed.