YG,
Years ago, at my former company, we had an auto finance guy come in and school us on how auto financing works. In essence, those who must finance are hosed. The interest the finance company garners is staggering.
If he told you how auto financing works and was honest, he told you that new car dealerships have a financial incentive to close deals at the highest allowable interest rate that the buyer will accept. Buyers that depend on dealer financing to purchase a vehicle typically have low credit scores and no other alternative or they'd have a line of credit pre-approved before shopping.