I bought a new Kia about three months ago with a AAoA of just over a year with no previous auto loans and was offer 0% apr with $500 cashback or 1.9% apr with $1500 cash back. I was already pre approve through DCU, but I went ahead and let them try to beat it and they did. FWIW I do have a mortgage reporting on time payments for a year and scores in the low to mid 700s across all three bureaus.
