Its all a game of we'll beat your offer.
Last year I brought a Pre-Approved PenFed Loan to Honda to buy my 17 CRV with an APR of 7.4%. At the dealership Honda beat it and gave me 5.5% APR in which I took.
A year later which was last week, I refinanced with PenFed and they gave me 3.99% APR for 59 Months.
My EQ PenFed score is 713.
The process was so fast. They overnighted me the check to send to Honda.
