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Given that the car drops nearly 50% value as it leaves the lot, I'm not sure how this every pencils out before maybe 10 years 100k+ miles...Maybe these days given how hot the used car market is (driven by the expensive nature of newer vehicles), but again this is a chicken/egg problem.

Your loan is exceedingly abnormal or from a past time as the average loan % in the US is much higher on that time scale.

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It loses (less than) 50% relative to the list price, which is an important reason not to pay the list price. I'd estimate that the last new car I bought lost less than 10% relative to the price I actually paid (although selling via a dealer would probably lose another 10% or so).

On the loan rate: yes, fully agreed, this was an unusually good rate, and that makes the arrangement much more attractive.

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