How is Southeast Financial?

Since you have excellent credit, after you get your rate from Southeast, check with Essex Credit/Bank of the West. There website posts there rates. After finding out what rate and terms you qualify/want then go to dealer. Know what your credit score is, tell dealer the rate you have been approved for, your score and tell them to beat it. They can call the lenders they use and get rough figures without a hit on your credit and get you a rate. Sometimes they can beat what rate you have, sometimes they can't.