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...I put 0 down, I had no credit, cosigner with average credit, employed less than a year and walked out of the dealer with 3.39% interest and MSRP for the car. Financed 100% of it including taxes, etc. 7 year, 100k warranty, all those goodies too. My payments are $579.24/month for 60 months. All financed through Toyota Financial Services. In and out in 2 hours. Bought it when I was 20.
Luck of the draw? I don't know but Christ, you can do a hell of a lot better.
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