2.9% APR for new car purchase, should I just take it?

Q: So I'm shopping around for new car, my credit score looks to be pretty good at 764. Same with most of other automakers, Subaru's offering 0.9 or 1.9% APR (conflicting info even on their own website). So at the dealer they offered me 2.9 up to 60mths. Should I just take this deal, even though I think I should qualify for the special offer? Also, can I go back and ask for a better rate, or is the financing part non-negotiable?
(2012-01-24 17:29:00)

A: What I am guessing you are misunderstanding is that Subaru offers rates based on the term of the loan. The shorter the term, the better the rate. They give you a lower rate to give them their money faster.

For example - 0.9% financing is likely for a 36 month term loan.
1.9% would be for 48 months.
2.9% would be for 60 months.
I am not sure if that is what they are doing in your situation, but especially Subaru and Honda do this sort of thing all of the time around their 'special financing'.

With your credit score, they aren't really doing you many favors. If you look for independent financing through a credit union, you could find a 2.9% loan for 60 months on any car. Plus, you could take any cash back offers on anything applicable to other vehicles.