I did end up going with Alliant, and they gave me 1.74% for 72 months at 5% down. Very pleased. For me, I was required to have full coverage (liability, collision, comprehensive) with a max deductible of $1000. But, this was precisely what I was planning to get anyway, so this worked out fine for me. I'm fairly sure the GAP coverage is *not* required, although they'll try and sell you on it pretty hard because they want to avoid people crashing their cars and defaulting on the loan gap. But it's pretty dang cheap so it seemed worthwhile to me in any case.