HD wanted to give me 8.99% last year. My credit score is 800+. My Credit Union gave 2.99 for 60 months. **** on them brother, NO DOUBT you can do better all day long!
Go to a credit union. But yeah rates are also negotiable. May not be Eaglemark, but dealers use other resources.
Yes you should know the best rates before buying. When I bought my EG last February, they said the rate was whatever and I said I can get a 4% with my credit union. Lo and behold, they got me a rate lower than the CU. Also, the rate is lower depending on the number of years financed. The longer the financing, the higher the rate.