5.9% is good but why not use AAA (4.99%) as previously suggested? I used them for my last financing. Piece of cake, all done over the phone, and you don't have to be a member.
Well, I am not sure how AA works - maybe the rates are regional. I just checked - for New England they are 4.99% for 36 - 60 mos, 2001 and 2002 vehicles.