add in they were doing 0% financing for either 72mo or 60mo and now it's 5.29 for 72mo or 4.69 for 60mo.
on a $76K vehicle with $30K down/trade... $46K financed...
72mo @ 5.29- $7,560 more in finance cost than 0%
[email protected] -$5,520 more in finance costs than 0%