Hi! I work for a car dealer! The interest rates that are advertised are for tier one credit, so anything over a 740. Yes the fine print is important to read. Alot of times those low payments advertised are with tax tags fees and first payment down. Used cars are just as good, ask for the car fax, alll the dealerships have carfaxes available to show you. The end of the month is always when dealerships want to move cars, and can negotiate down to the “invoice price” (thats what we pay for the car) If you do go the used car route, check out what warranty is left on them, this will also be found on the car fax. and if the dealership offers a platinum wrap warranty for an extra cost (make sure that warranty is bumper to bumper coverage)