2023 Ram 1500 Laramie RV confusing

Zipcode 77584.
The Rate Finder shows the RV as 53% (36/12k with 23H 27H, or 29H package).
But the dealer told me the RV is 49% even with the 27H package, from Crysler Capital.
Am I missing anything?

Bumping for more eyeballs

Rate Findr shows 53% for SFS and 49% for CCAP.

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