I was approved for $6000 through PSECU with an APR of 1.49% for 3 years. I am 21, have good credit but a lower income, and this will be my first "new" used car. Do you think I lucked out and got a good rate? Especially being my first real car that wasn't a hand me down junker. By the time I have paid the car off I'll have only paid $130 in interest, which still brings the total price about $1500 under market value for said car. This will actually be my first thing ever filling out and using a check, to be honest.