my deal only took about 10 minutes. for a late model used car, I wasn't seeing anything much out of the 3.6% range anywhere, so I didn't think they'd be able t

my deal only took about 10 minutes. for a late model used car, I wasn't seeing anything much out of the 3.6% range anywhere, so I didn't think they'd be able to do much better. had they surprised me with, say, 2.2%... great, but it's still not a huge savings anyway.