The Pentagon Federal Credit Union: www.Penfed.org has auto loan rates at 1.99% up to 60 months. You do not have to be a government employee or active/retired military to join. If you join the "Voices for America's Troops" for a one-time fee of $15, you can become a member. (just choose join penfed at the top of the page and it will guide you through the process) We used them for our JX, and refi'd my wifes minivan at the 1.99% rate. The best the dealer could do was 2.79% (he was pissed we had such a good rate).