I just saw a 1.9APR off Toyota website. I called them and they said they can do it even with 0 down if I want to!?Ah...that was just like when I brought my first new car. Good credit score, but never purchased a car or house before. Paying off a few thousand in CC debt is a different animal from paying off a $400K loans in the eyes of the bankers. First time I brought a car, they hosed me with the interest rates 8% (high for the time, since 2.5% was average for those with good credit). After you pay off your car, future car/house purchases should give you reasonable rates. My latest mortgage is 2.8% on my 3rd house. (Other people's wives collect shoes, mine collects houses😩.) That's lower than average APR, since I've a great credit history on big purchases (3 cars, 2 houses all paid off).
With your credit score, I'd get a loan from the bank for better rates.
They never said this when I went two days ago.