Not a hijack but a heads up.
If you're financing through a dealer, be sure to ask them what your buy rate is. This is your rate from the lender that you earned by having good credit.
Unfortunately I learned this after the fact. Some dealers will add on some percentage. This is not an incentive paid to them by the bank for using their services as I was always told. This is more money straight into the dealers pocket.
By law, the dealer has to tell you what rate you actually received from the lender. After the fact, you may never really know and it could add many $$ to your monthly payment.