Just bought a 03 Enthusiast with 36 month 3.49% financing from PeopleFirst.com. I have no idea what my credit score is but I'm 26, don't carry any credit card balance, just paid off my previous car's loan, and only have a ~$2000 school loan to pay off slowly.

 

With respect to interest rates, I would say Canada > U.S.A.

You said you had an engineering degree?? ...

 

yessir, but I am a logistician by trade right now