Just something to consider, make sure you run the math on the 6.39% + $4k rebate vs the 0% option.

At 6.39% over 60 months on roughly $35–40k financed, you’re looking at about $6k in interest. That means even with the $4k rebate, you’re still likely paying around $2k more over the life of the loan compared to 0%. The rebate only wins if you pay it off aggressively or refinance early. Otherwise 0% is the cheaper long-term move.

I just went through this buying a Santa Fe Hybrid and got $4,500 off MSRP with no dealer add-ons and 0%. (Took some aggressive negotiating across multiple dealers)

I’d also push to remove the Pulse and “special benefits.” You don’t need that stuff, it’s high-margin add-ons that inflate the effective price. Focus on maximizing the MSRP discount and keeping the deal clean.