<prompt> Human: Title says it all. I bought my first car with financing and really didnt know what I was doing. Now that I have done some research it seems with my credit 720 I should be in the 3 range. Is this true?  <response>: 4.45 is pretty normal even for new cars. Its pretty low for used cars.That 0.9 for Honda or whatever is a special deal offer at a particular time of the year and only on new cars AND you have to have the highest possible score, etc. 