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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People split hairs, don't kill the messenger. Penny pinchers exist.
-2012 Grabber Blue GT 6M Premium w/ Brembos, Glass Roof, HID security pkg, Rear Camera, 401a, FRPP GT500 Axle-backs, Front Pioneer TS-D6802R speakers, JHR bracket, Bondra clutch extension.
-1986 Mazda RX-7 GX - Fast Mirage 16" Wheels, Sumo Firenza 205/60R Tires, slotted brakes + performance pads. Otherwise factory stock.
-2008 Mazda Mazda3 GT Sport - Stock, 5MT.
-2004 Volvo XC90 T5 - Comfort pkg, safety pkg.
-1995 Infiniti G20 - Sold, Pioneer head unit, lighting mods, miss it dearly.