I can see the auto loan rate being applied, as it is a new motor vehicle that costs about 2/3 of what a used vehicle of recent vintage costs. If they're going to lend me $14,000 on a 3-yo car, OR $5,000 on a 15-yo car, then they can blessed well lend me $7,000 for an Elio.I want an AUTO Loan rate (2.49% for 36 mo. ~$200/mo.~) and an insurance MOTORCYCLE rate ($10/mo.)