I've seen people with next-to-nothing rates. Like in the 0.6 vicinity. This is purely from experience.
your splitting hairs...a loan on 40,000 at .6% over 36 months will have you pay 371.xx in interest vs. .9% same price and term has you pay 557.xx...so a difference of 186 over the course of 36 months is 5.1x bucks a month on 1121.xx a month car payment...it really makes no difference in the grand scheme of things.
if its below 1% in interest you wont notice in the payment or really in interest paid.
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