yea i originally was at 6.4%, but refinanced thru my credit union and got to 5.99%, then go a .25 off for direct withdrawal putting me at 5.74%. Yea my dad helped me on my credit alot. I been on his $50,000 limit credit card since i was 18, and been paying for my old car since I was 17. I think i got like mid 6% on my first car. It was funny too, the guy at the dealer went to check my score, and he went over and was talking to the other salesmen, then they started to laugh. I asked him "is it that bad" and he said well... pausing. its excellent 809. lol.