I have a PTCU loan for my SRT. I think I have 4.0%, I'd have to check. They are pretty cool to deal with so far. I bought at Brian Bickmore but I still think they are assess. It is the second Neon I have bought from them (99 R/T) but I got it at sticker, $21,480 I think. I don't really care about that, but they had the only black/black with sunroof at the time.1. Check out Portland Teachers Credit Union. They have the best loan rates you'll find; even dealers will tell you that. Also, if you go through one of their Credit Union Direct Lenders (there are like 7 of them between the Portland/Salem area), they can take care of getting your PTCU loan right at the dealership. It's a breeze.