How long of a term are you wanting to go?How is your credit?These two things will be the biggest factor on your rate.The longer the term the higher the rate. The rate you're getting sounds like a 72 month rate. The lowest I've seen lately for a 72 months is 5.5 from a credit union that is with very strong credit.Beacon is similar to your credit score but used by the auto industry. The higher the better.