I'll post again and you can do with this what you will.
I was able to finance with a local credit union at 1.38%. If you have great credit, there is no reason to settle for over 2% even now.
Some people will argue the value of their time and that's up to you. Use the below calculator to punch in some numbers and see what the difference will be over the course of 5 years.
Free auto loan calculator to determine the monthly payment and total cost of an auto loan, while accounting for sales tax, fees, trade-in value, and more.
www.calculator.net