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I amend my previous post. I was originally quoted 3.9% APR over 60 months with Subaru Motor Finance (Chase bank) over the phone when I put in my order with Ramsey Subaru in NJ. Today I went to the dealer today to pick up the car and do the paperwork, and when they showed the extended warranty packages, the Titanium package includes dent/ding and rim/wheel protection.
When I asked about the "Titanium" package and what it covers exactly, the finance guy said he'd see what he can do to reduce the rate and make it a bit more attractive. What made the Titanium package appealing (once he suggested that he could knock down the rate) is that it also covers aftermarket tires and rims, and there's no deductible for work done.
He ended up knocking down the APR to 2.99% over 63 months, so my payments ended up being just over $300/mo. My theory is that if I hadn't made any noises about the Titanium I wouldn't have gotten the offer of the reduced rate, and if the Titanium warranty didn't cover aftermarket rims/wheels I don't think I'd have gotten it. But I'm glad I was able to get a reduced rate even though I'm paying more per month than originally quoted because of the extra protection. Still not bad.
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