I'd think with a 670 you should get a pretty decent rate anywhere, as long as your CR is clean (no auto lates, repos, etc). 11% does seem high considering bankrate.com is showing rates around 6.8 - 7%. Have you tried a CU? They might be able to offer a better rate than Wachovia. If you're buying new, you might get a better financing thru the dealership - many inhouse lenders (like Toyota Finance, Honda Finance, Nissan Finance) can give better rates than banks & even CUs.