I'm with Winston. I have financed 2 cars, but won't do it again. If they're doing special financing below 1.9%, I'd really take that into consideration just because I could handily beat that with a conservative investment. I financed my '09 mini (second financed car) at 0.9%. BUT I walked into the dealership with my check book intending to buy it outright.
General financial advice aside, if your debt-to-income ratio is within their (soa, dealership, etc) limits, usually under 30-35% as stated above, and you have an EXCELLENT credit score, you usually qualify for any loan. Excellent being 750 or better, not 650. If you don't know your credit score, annualcreditreport.com. DO NOT USE freecreditreport.com. It isn't free. http://www.ftc.gov/bcp/edu/microsite...ts/index.shtml