USVI, I'm sorry to hear you feel this way. There are a lot of factors that go into rate decisions and I would like to review and help answer any questions you have. When would a good time to reach out to you be? - Janay
I agree they are not the best out there however, the car buying service is amazing! I started out on my own and got the back and forth with dropping down a few hundred dollars at a time. I went home frustrated and went to USAA car buying service. The next day I got my car for thousands off!
Try looking at other options for rates. Honda gave us .9% which will be equal to only one extra car pymt over the next 5 years. You also need to make sure you have good credit. That will be a huge help to the rate you get.
If you are on the East coast Suntrust is really great to young buyers.