I will say, the finance guy said "I did a little better than that I thought and got you a 4.5% rate" (all three of my credit scores were "excellent", so he didn't try too hard). Told him Hyundai was advertising 1.9% for 60 and 2.9% for 72. He mysteriously "found" me a 2.5% rate for 72 months - imagine that (I'll pay it off sooner, but like to have the cushion just in case.)! So it's not just the salesmen out to get you - it's all around the entire dealership! And just say "NO!" to extended warranties!
The 72 months is an active program, but it is for 2.9%, so looks like he dropped it a bit:
Low APR
Effective August 3, 2021 - September 7, 2021
Effective 8/3/2021 - 9/7/2021 Special Low 1.9% APR (up to 36 months) at $28 per $1,000 financed for qualified buyers. Special Low 1.9% APR (up to 48 months) at $21 per $1,000 financed for qualified buyers. 1.9% Annual Percentage Rate (APR) up to 60 months.
2.9% Annual Percentage Rate (APR) up to 72 months. APR financing available, subject to credit approval by Hyundai Motor Finance to very well qualified buyers and not available on balloon financing. Only a limited number of customers will qualify for advertised APR. Down payment will vary depending on APR. Bonus Cash must be applied as a down payment. Must take delivery from a participating dealer and from retail stock from 8/3/2021 - 9/7/2021. New vehicles only. This incentive is for a limited time offer on eligible Hyundai vehicles and may not be combined with other special offers except where specified. Dealer contribution may vary and could affect actual monthly payment. See your participating Hyundai dealer for more details on these special offers. Finance contract must be signed and dated no later than 9/7/2021. Must be financed through Hyundai Motor Finance (HMF). Tax, title and license extra. See participating Hyundai dealer for details.
They are also running a "dealers choice"
Dealer Choice Cash
Effective August 3, 2021 - September 7, 2021
$500 Dealer Choice Cash available on all Hyundai 2022 Santa Cruz purchased from dealer stock between 8/3/2021 and 9/7/2021. Must be financed through Hyundai Motor Finance (HMF). Tax, title and license extra.
Customers who participate in a Special Lease or Low APR program through Hyundai Motor Finance (HMF) do not qualify for Dealer Choice Cash. See participating dealer for details. Dealer Choice Cash offer ends 9/7/2021.