2009 CTS - Low Interest Loans?

[69Firebird400]

Hey all, I'm trying to talk my wife into a 2009 CTS DI RWD with everything, since it's pretty awesome to get the employee price on a 2009 model of a popular car. But of course GM pulled back pretty much all of the APR deals with the advent of employee pricing, so the payments really aren't that great.

I'm looking at a 60 month loan with these numbers:

$49,700 MSRP
$43,958 employee price
-$11,000 trade-in
=$32,958 taxable @ 6%

+$1,978 sales tax
-$3,500 GM Card (I can redeem all of it on this car)
-$10,000 cash down
=$21,435.90 financed

@5.9% over 60 months that's $413.42
@6.9% over 60 months that's $423.45

Anyone have any suggestions about how to get a better rate than either of the above?

Are there any deals that I might be leaving on the table (recent grad? I got my MBA in 12/2004)?

Thanks in advance!

[fp115]

I believe you won't be able to qualify for the grad deal unfortunately. However those prices seem odd, is that for financing or leasing?

[69Firebird400]

Financing...what's odd about them - the payment amounts? At 6.9% interest, I'd be paying about $4,000 in interest over five years, which kind of sucks. I haven't checked my FICO score in probably 15-18 months, but last time I did, it was around 797, so I should get the best rates possible.

Yeah, it's been a while since I finished grad school. I figured it wouldn't hurt to ask.

Edit: My current FICO score is 791. I hope I'm remembering the old one incorrectly and it hasn't dropped!