I mentioned this in another thread, you folks should check your local papers for the current average loan rates in your area and make the banks compete for your business.
Once you have gotten what you believe is the lowest you can find, then you goto Scion/Subaru and get a better one.
And don't fall for the trick they'll play on you by asking what they need to beat, because they'll come back with .1 or .2 better only, and not mention that you actually qualified for the their lowest rate that might have been several full points lower rather than tenths lower.
Use this loan calculator to see how much you can save with each lower APR point:
http://www.bankrate.com/calculators/...alculator.aspx