hi, read you did $700+ and you live 15min from the dealer. if true then I think you did just fine. ca is a different animal than the rest of the us. curious, is the $5K refundable and did you search out other lenders like pedfed, nfcu, etc. I know rates have gone up but I am at 1.99 @ penfed and my purchase date was 10/18/16 so it might be worth checking out. also make sure the dealer did not obliterate your profile with hard pulls, get them to remove all but one if they did. you will love the car, I am in sb this weekend and its been a blast even in the rain
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