There are factors at play when getting good, really good, rates. Wife just paid off her 11' Outlander Sport we got back in 2014(?) about a month ago. So, the extra cash is nice. It got us talking about getting another car. But RIGHT NOW, kid-me would just go to California and get me a nice "Mirage". Haha! But Adult Me, we're being quite conservative right now, especially with the economy being what it is.
As for rates, a year ago, wife and I were 'almost' thinking about getting the Eclipse Cross so we were asking our credit union about rates and they just read off the rates on their website. Which we qualified for but it just didn't make sense because (1) Her car, the Outlander Sport was still running perfectly fine. (2) Car, at the time, was a year from getting paid off. (3) Budget (4) Driving only roughly 80-90 miles a week so, we were even thinking about (5) purchasing a Outlander PHEV. But the prices for the Outlander PHEV is still pretty high BUT super competitive compared to other PHEV models.
Also, I think it really depends who you talk to at the bank too because they can work with you depending on your credit score and other factors (how many credit cards you have, debt to income ratio, etc).
As for the Mirage, it was definitely a 'mature' purchase for me. Sure, I wanted a 03-05 Lancer Evolution but the ones around my town, they definitely were not worth the price they were asking since most of them had the "runs great but needs a tune" red flag. The Mirage just made sense since my commute at the time was commuting 60-65 miles a day. Plus, the monthly payments were well within our budget too. $8900 OTD for a 2015 Mirage with only 50 miles on it, heck yeah!
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View my fuel log 2015 Mirage DE 1.2 manual: 43.4 mpg (US) ... 18.5 km/L ... 5.4 L/100 km ... 52.2 mpg (Imp)