When I have my own financing, I will always offer to go with them if they can beat my rate. Unless it's a manufacturer-sponsored rate (0%, 0.9%, etc.) they typically can't. But I offer, so they feel a little better.

You may have heard TV & Radio ads offering 84 month 0% financing. For certain slow-selling vehicles, 90 month 0% is available. Which is insane - a loan of 7.5 years on a vehicle? You'd probably be under water for almost 4 years. Which has big concerns if it gets wrecked and you don't have gap coverage.