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At least in my case GM runs your credit through a bunch of different banks and whichever one gives the best deal they use for financing. If you have good credit it should be around 5. I know some people who have had 7-8%. The website is probably just using 6.4 as an average.
About a week after I got my Camaro I started getting "sorry but your application for credit has been denied" letters from various banks. I was able to get 5.4 I think through SunTrust.
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When you're really good in a past life, you come back as yourself.
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