4.19% in 2020 and 3.3% a few months ago.....i was just outside of top tier so bit of a bummer, but still better than anyone else so
i had short active history......2 yr perfect auto history and only 1 CC, no derogs and long work and residence history...my score was 739 i believe for pen fed.....i did used them because they pulled from my highest credit bureau and scoring model....FWIW
think i needed 742 or above thru pen fed to get the next bump........i was sub prime most of my life until i turned it around
I worked for GMF as a credit analyst & I will say they have high rates (unless you are going for a subvented rate like 0% or 1.99%). I'd say the dealership can get you a lower rate with someone else.