I hope thats just Chase generic rate. I've used chase for just about everything over the years and am happy. My wife's Mazda CX5 was 0% through chase. I think they can do a lot better than 3%, especially if its a 'partnership'. It better be 36m at 0.9, 48 @ 1.9 and 60 at 2.9....or better. WIth the way money is from the fed, no reason to pay 3% for a intermediate term loan. Though the $7500 tax credit basically eats up all interest you'd have paid over the whole loan.
But isn't part of buying a vehicle from an "unestablished" automaker a higher interest rate due to uncertainty about the quality and long term market value of said vehicle?
My hybrid Lincoln was at an average market interest rate. My Tesla Model S was at a below market interest rate, but that was subsidized. Once Tesla started to sell in high volumes and the tax credit disappeared rates went up if I remember correctly?
Either way 2.9% isn't horrible, but I'd be curious to see what non-chase lenders offer if you were to request a quote now from them?