I've been pre-approved at our local credit union. Any special rates from Subaru would have to be in effect at the time of closing, so we'll have to wait to see what they're offering. We got 0% for 60 months on our Ascent in late 2021, but I'm not expecting much of a deal in August. Who knows, maybe they'll be feeling generous! My Subaru retailer does most of their financing through Subaru (Chase) and my credit union, so I'll be able to take care of everything with the dealer.
Similar to
@javvajir , I'll be putting down a lot of money (that's currently earning about 0.1% in my savings account) if rates are much higher than about 2%.