Search the forum, others have already discussed. Credit Unions seem to offer the best rates.
Sorry, I misunderstood your point.i did my homework and searched the forum for information but most is from over a year ago when the world of financing was much different. i fully understand i can get a better rate from a credit union (Navy FCU is at 4.54% today for example). this is the point of my question. the dealership's finance guy is telling me to get Ford Options financing its 8.7% non-negotiable which is ridiculous.