Ohio,
I already got the car. The problem is I dealt with car price and finalize it. Once everything was done, it went to financing guy which is not part of dealer. So, he checked my credit history and later gave 3.99. At that time i did not have choice so agreed on that but I have got 5 days time to pay the amount to finance if I can get low apr from another finance.
I just called DCU which says they have 1.74% apr if I open account with them for direct deposit of salary based on credit history. They are ready to take the action immediately if the car would be as new purchase but if it will be like refinancing, it may take some time.
And the finance from dealer has given me time till Monday and if I pay the full amount by Monday, I dont have to pay any financial charge.