You probably don't want to hear it but a car loan is not good move financially. While the amount of your loan is going up because of interest the value of the asset (your car) is going down because of age/depreciation.
You're better off with a crappy car that you can buy straight out than with a car bought on a loan. Try the auctions to pick up a decent car at a fair price.
That said we were sorely tempted by the Lexus 4 year interest free deal on their 4wd's.

ETA - FWIW when it comes to making financial descisions what matters isn't so much what other people pay but whether you can fit it into your budget or not.