That sounds exactly like the deal Roadloans offered me.  Finding a vehicle in that price range at CarMax is like trying to find a needle in the haystack.  A buddy of mine purcahsed a 2011 Hyundai Sonata recently from CarMax and he was financed via Santander at a high rate.  Pick your poison with either company.  If a vehicle is a must then do the deal and refinance it in 6 to 12 months for a much better rate.  That's my plan.