I dont know where you are looking but my bank is a LOT lower than that and I doubt my credit is in the excellent range. I dont know what kind of cars you are looking at but some are offering 0% for "well qualified".
I would look around some more if I were you, interest rates are pretty low with the economy in the crap house right now......
**EDIT** went to the site and looked 5.5 to 7 on new and 5.75 to 7.25 for new. I refinanced from 10.25 to 6.5 I think this year
Last edited by PolarBear; 11-21-2008 at 01:42 PM.
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