I get my car on Saturday and was in need of financing. The dealer told me they had no deals on S5 so as i was going to my favoriate web site (http://slickdeals.net) (after this one) I came across a rate if 3.99% from www.penfed.com. I applied for the loan a couple of days ago and got approved for it today. There are some steps needed to get the loan which can be fould here (http://forums.slickdeals.net/showthread.php?sduid=0&t=1163097). I hope you guys can get the rate I did, let me know if you guys need more info.