-Incentives vary by region.
-1.9%/60 months is good. My credit union now is at 3.5% for 60 months. 2.5% for 36 months.
-The rebate and subsidized finance rate come from Mazda corporate (current AA grade corporate borrowing rate for 3 months is 2.6%. The 1.9 is subsidized.) Will they allow both? I doubt it. The dealership has their profit margin to work with. The car makers, by this late in the previous model year, are cutting the cost of the cars to the dealership, so there's more margin to cut to make the deal. (The new cars on the lot are still owned by the manufacturer and financed (floored) by the car maker's finance division or by a bank. The dealer is paying interest (flooring) on the cars until they sell unless the maker offers free flooring for a specified period of time.)
-1.9%/60 months is good. My credit union now is at 3.5% for 60 months. 2.5% for 36 months.
-The rebate and subsidized finance rate come from Mazda corporate (current AA grade corporate borrowing rate for 3 months is 2.6%. The 1.9 is subsidized.) Will they allow both? I doubt it. The dealership has their profit margin to work with. The car makers, by this late in the previous model year, are cutting the cost of the cars to the dealership, so there's more margin to cut to make the deal. (The new cars on the lot are still owned by the manufacturer and financed (floored) by the car maker's finance division or by a bank. The dealer is paying interest (flooring) on the cars until they sell unless the maker offers free flooring for a specified period of time.)