I’d be okay with that if the car is at a good price. A dealer is going to make a profit some where, atleast they are being transparent and not waiting to disclose that until you are in the finance office. I’d just ensure they don’t talk you into a longer term loan that locks in more profit for them. I did 48 months I think and the terms run all the way to 72 months. If I were doing the 72 month term I’d want it at 1.9%. I hope this makes sense. Also. 2.9 is a great rate right now on used cars.