I just recently pick up a new Big Country and I found that my credit union offered me a 2.8% rate while the best the dealer would get was 4.9%. Since I order the rig it gave me time to find the best rate. We got the Vin number long before it arrived so the financing was done ahead of time. I just waited till I knew it was shipped and then signed the paper work. The credit union mailed me the check so I had it to deliver to the dealer when it arrived and passed inspection. It made it very convenient.
Steve