I'm surprised you can't get a better deal. I refinanced from 6% down to 4.25% over a year ago. Took 6 months to recoup the points and closing costs. The rest is free money.

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1985 380SE Blue/Blue - 230,000 miles
2012 Subaru Forester 5-speed
2005 Toyota Sienna
2004 Chrysler Sebring convertible
1999 Toyota Tacoma