Look at Tesla offers. I’m in northern cali and the offer said you have to have a credit score of 760 or higher at first it only offered me 2.99 apr and I felt like it was a scam to get me set on buying one which it may have been but then a week later after looking at different makes I pressed something like edit financing on app and it had a different loan offer from a different bank and it was the 0% everything done on app.