so could you tell me how can i get that 0.9%? i just call the lfs and they said i have to talk to the dealership, but the dealership just said the 4.99% is the only i can get.
thank you very much.

Damn. I must have got a deal with mine. They let me choose 3,4 or 5 years with 0% Apr. And I went with 5 years, this was through LFS

how's your credit ?

What does LFS stand for?

You bought yours in December I'll bet.

LFS = Lexus Financial Services

If you signed a deal and took delivery of a car, it isn't going to be easy to make any changes to your loan. Dealers can and do make money on loans and don't always offer the best rate. It's part of the negotiation. Maybe they should have offered you the current 0.9% deal, but the time to raise that was before signing paperwork. Any changes now would seem very unlikely and fall under the umbrella of customer satisfaction. Someone who works for Lexus or in the industry would know better than me, though.

I would go the non Lexus dealer route. Found cleaner cars at private dealer then some I saw that were CPO at Lexus dealers around me. My experience was different when I was shopping and I guess it has to do with which market you are in. I have bought both my Lexus vehicles from Texas Direct Auto and have had great experiences both times. I'll probably go back to them when I need another. I shopped every Lexus dealer around me and each time the CPO's had more miles less options for the money compared to the cars found at non Lexus dealers.