actually, WING, since i work at a dealership, and i see cars financed every day of my working life, i think i know what i am talking about. Honda Canada Finance sets the rates, they are the same across the country. Big dealers can't sell for less than small dealers. These rates are advertised so it would be tough for one dealer to do anything different than another. If you want to go to a bank and get whatever best rate you can, go for it. That is your business. But you aren't going to influence a dealer by telling them that Bank ABC has a super duper rate for you, they do not have the ability to offer you a lower rate. If we submit a contract with an incorrect rate on it, it gets kicked back to us, meaning we don't get funded, and that isn't exactly gonna go over too well with the accounting department when you sell a car and can't collect payment for it...