I was pre-approved today by PenFed 2.2% (citizen co-signer, do not know if this helped). They will send me the form via mail and arrive tomorrow. I will give the dealer this form.

I also applied through Capital One, receive an email saying they need to talk to me. Not wasting my time.

If you want 1.99% or lower interest, you need to lower your loan time to 4 years or below.

If you want 0% go with Toyota cars.