NEVER finance through a dealership- they have all of the local rates available to them same as you but they add a half to 1 percent to make money off the deal.

Also I’d put the full 11k down- less money financed is less interest paid- ALWAYS.

Call up your favorite credit union and go get a loan directly though them. If it’s too big a hassle, get what you can in finance ant the dealership, and immediately go refinance it at the credit union- they do this all the time and most times there is little to no fees to do so- especially if you are an existing customer. Worth the hassle every time. They all publish their rates on their webpage for used car loans so do some homework, plan on a bit more paperwork, and you will save big time.