If you've got good credit, go to the Bank of America website and printout the Auto Loans Rate page (last I saw it was 2.94% on 60 months for a new car) - I carried that page into the dealer and they almost matched it - they tried to start me out around 5.9% and so I pulled out the printout and we were quickly in the 3% range. Should work with anyone who has good credit - it also helped that I bank with BofA and there was one 2 blocks from the dealer I went into.
