72 month finance @ 3% interest with 2000 down is $400/mo. Sell after 36 months for somewhere around 20k based on how subaru’s (crosstreks specifically) hold their value & you’re at effectiveky $356/mo
This is almost exactly the special financing rate, up to 72 months.
It would depend on my plans (how much do I like the Crosstrek/how long do I plan to keep it)? And whether the dealer will allow you to BYO financing, as mentioned.
If you don’t need it today, the cost of the acquisition fee could get you VIP pricing (invoice) on an order/inbound.