My credit score is about the same as yours, I bought a vehicle last week and financed a portion of the vehicle at 3%. My credit union is offering As Low As 2.19%on 36mos, 2.79% on 60 mos and on up slightly from there.

To qualify for the lowest percent your credit would have to be between 750-800. I was in that range but a recent refinance dropped my score a little I guess.

I'd expect with good credit like yours you should be in at least the range I was in hovering at 3% or less if u do fewer months.

Oh and fwiw, those rates work for any amount financed as long as it meets this guideline:

*Maximum amount financed for Used Cars is 130% of NADA Book Value.

I use Redstone Federal Credit Union in Huntsville.

So they pay you for gas based on 25mpg.

At 50k miles/year at 25mpg = 2000 gallons of gas

At 50k/year at 20mpg = 2500 gallons of gas


At 50k miles/year your chances of being in an accident go up significantly. (I drive that much per year too). My advice would be to find a truck or SUV that would get 20mpg and eat the 500 gallons per year ($1000). Not only will you be safer but you get the best of both worlds (hunting, fishing use).

You can get a 2wd 4 door pickup that will get 20-21 mpg. Get one with a rear locker and decent tires and you can go somewhat off-road.