<prompt> Human: Ive applied both through the dealer and Chase. The offers Im receiving are 4.1-4.9 APR interest rate for 72 month term on a 31,000 loan. I can pay cash, but I will probably make much more keeping that money in the stock market and taking the loan. If the stock market crashes, then I can attempt to refinance or pay off. Ive also been told by some dealers that their auto loan rates are pretty bad now, and I should check with credit union.Seems pretty high to me, but kind of makes sense based on how well the stock market has been doing over the last year. Some of my colleagues are up 50 in their stocks. My first loan that I took out four years ago was for around 30,000, 72 months, 1.9 APR, but it was a manufacturer special discount to move units. I also helped cofinanced for my aunt around two years ago and it was 2 as well.I pay 1000month rent and make 130,000 a year. My Experian FICO score is 775. In the FICO score app, they estimate 3.879 for 720 FICO score on 60 month loan. Changing to 36 month loan has basically no effect, it goes to 3.807.So that seems to be pretty consistent with a 4 APR loan offered by my bank.What kind of interest rate should I be looking for?EDIT - Forgot to add my current loans:12,000 car loan totaled, will receive check for 20,000 soon12,500 car loan helped cofinance for my aunt10,000 school loanAssistant: Why are you taking out a loan at all with your great income and inexpensive rent? Human: I think my stocks will outgrow the loan interest.Assistant: over the next 72 months? what are you basing this on?Human: My butt.  <response>: At least youre being honest 