Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

If I put a large down payment (over 50%) towards a car loan, can I reduce my interest rate and is it smart to even put that much down?
With that credit rating you should have no trouble getting a rate in that range. I have a similar credit score and my credit union gave me a car loan at 1.59%. No haggling required. In regards to your question, I think you have it backwards. They are more likely to give you a good rate on a high balance than a low one. Think about it from the bank's perspective... "If I give you a small sale, will you give me a discount?" This is the question you are asking. Their profit is a factor of how much you borrow and the interest rate. Low rate=less profit, low financing amount = less profit.  The deal you proposed is a lose-lose for them.