You seem to be sure this is what you want, but I felt I should add to what Andy said about credit unions. If you have access to one, they are the way to go, they pretty much give everyone the same low rate and don't ask questions. I just refinanced my car through the NFCU and got 5.74 (used 5year loan). Loans for 2000 model year are 4.99%, and I assume that's pretty much similar at other the credit unions.