Daniel Posted: 12/18/2012 2:06pm PST I bought a 2010 Saab 9-5 on a whim a few weeks ago. I had no intent of buying a new car but saw this one online and went to take a look at it one day after work. The price was too good to pass up and the car is in brand new condition so I filled out the credit app thinking I'd get an insane interest rate because my credit score was lower than I thought (593). I got approved at a much lower than expected rate of 7.99% and was on my way home with my new car two hours after getting to the dealership. no haggling or negotiating financing. It was a pleasant surprise. They said because the car's book value was so much more they were able to get me a good rate despite the credit score. Nice! Hoss57 Posted: 12/18/2012 10:21am PST One of the things I think may have been overlooked is all the people with subpar credit who would be defaulting, except that they have received generous reductions in their house payments. It's easier to make that car note when you have a windfall on your house note. Check back in a few years when those same people have gotten accustom to their lower house payment.