In the context of banking and financing for the entirety of human history, 4.09% is fantastic, outstanding, amazing. In the context of the last four years it i

In the context of banking and financing for the entirety of human history, 4.09% is fantastic, outstanding, amazing. In the context of the last four years it is not. It is "merely" good. I do not consider the last four years to be the foundation on which to start building assumptions. Even in the context of the last four years, for auto loans 4.09% is only above average for about six of the last 48 months (Sept 2021 - Feb 2022).