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I use financial partners credit union CA only. For me I got a 4.25% interest rate only looking at 1500$in interest at the end of my 4 years. No penalty for paying off earlier then the 48 months loan chance of refinance after 2 years really happy with my decision. In the past when I tried to get a car I was looking at 28% interest on a 2009 Mercedes Benz E500. That would of been a horrific deal. My cars worth 14988$ witch now has 25,000 miles on it on a 2012 I am pretty sure I'm making out very well......i almost got a fiat 500 abarth with 40k miles for 12k loan. There dropping hard in value.
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