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What's your DTI? With a 20% down payment and a 2.79% APR for 72 months, you're looking at $314 per month, or 17% of your monthly gross income... and this is assuming you don't finance the taxes, license, and docs fees.
I might have to stick with a good used truck, I have some credit card debt, but I been paying it off.
I've never heard of Road Loans, but you should run and not look back. Those extremely high % rates that your Fico scores do not warrant.
Go to your local credit union that you're a member of. If you're not a member join one after finding a decent one. You should get the best rates there.
Do not go with any one of those "options."
I wont do it, will look around for a better rate.