<prompt> Human: I was looking to buy a new 2018 Honda Accord. When it came to financing though they offered 5.39 for 72 months, 5.34 for 60, and 5.29 for 48 months. That looks really high to me, especially since my credit is great.I applied online with BoA and they sent me a loan approval for just under 3, but the dude at the dealership said that theyll probably readjust the APR after getting the bill of sale and seeing the exact model. He said the high rates are because of how brand new the model is. Is that complete bullshit? He also said I could just take this rate and if I find a better one it would be simple to refinance. I know nothing about refinancing auto loans, is it as easy as he says?I ended up telling them I have to think it over tonight and put the deal on pause.Edit: Thanks everyone for the suggestions and info. I called the dealership this morning the next day and told them that while I was pleased with the service of the salesman that their finance guy lost them a sale. I called a few different dealers and got another which gave the same price 3k off MSRP. The process this time was pleasant and everyone was actually nice to deal with. Happily just drove home with my new car.  <response>: Run, dont walk, from that dealership and tell them you dont deal with liars. The person quoting you financing is literally lying to you about how loans work. 