11.75 isn't so bad; I have seen a car loan at 18% (from a major bank.)Credit unions have lower rates than banks, across the board, and they are almost always nicer to deal with and more willing to work with you. But bottom line, the best deals go to those with the best credit. Your friend might not have qualified for a loan at all from a bank.I agree that a Camry is pretty pricey for a starter car. You might want to consider trading down.
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