Yeah def apply for the PenFed loan. Even though you are picking it up Thurs you can supply them the VIN and the loan amount and they will overnight the check. You should get 3.99%... I just checked Penfed and they aren't offering 3.99 for 72mo anymore, you have these options:
60mo 3.99
72mo 4.75
Still better than your rate and then you can see if the dealer can beat that rate. Mine did but they financed it through BofA not NMC. Good luck
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