Any luck? I bought in 2011 in August - a popular month to buy in - and just a few months later all the dealerships were offering 0% financing in house.

I got 1.24 at BMW credit score similar

Thank you. I will look around

I think that's a decent rate given your credit score. But you may find lower by looking around more.

We had scores 720-740 and got offered 2.99% a few years ago just before all the dealerships started offering 0% if you go through them. I'd shop around a bit - credit unions, even dealership financing.

Did you try a credit union? I usually go to Secumd.org - my rate is 2.24% but we closed a while ago. The term can be up to 6 years I think (only makes sense to stretch this long if you will keep the car FOREVER)

My score is 685 n I was offered a 3.54% rate. Is this a decent rate or should I shop around ? Thanks