ditto on what shadoquad said. I'm in the same boat. I got 3.69%/72mo. Beat my PenFed 3.99%. Denied all the extras. Second vehicle for me too. The 6.44% rate is a little on the high side but if your credit score is in the mid-high 700s you should be able to get a better rate than that. Even Pendfed 3.99%.
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