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Bloom County
reply to Bob4

Re: I've been wondering...

Good god -

1) The OP is not talking about a dealer that has certified used cars. Many of these places are much cheaper than a dealer price of any kind.

2) Not all certified cars get 1.9%

3) Not all folks have the FICO score to get the 1.9%

Those are thought of in less than 10 seconds of thinking about it.

BTW - I did not specify a bank - just to bring your own, for the type of place the OP is referring to.

"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain