Have you looked at some of the CU's? PenFed is one that comes to mind.
PenFed is 1.74% up to 60 months. You would have to join there CU.
isn't that depending on credit and such
Yes.
I also recommend PenFed. I've gotten two car loans from them in the past year (when the rate was 1.5%). They're very easy to work with, but you have to make a 15 or 20 dollar donation to join.