Car loan rate 6.49% good or not ?

Car loan rate 6.49% good or not ? Decided on a credit union to buy out my lease. Current residual value is $12,400. Planning on putting down $2,400 and financing $10,000. My credit union offers 6.49% interest. I’m not to familiar with rates. Is this a good deal ? Can I finance for 48 months to keep my monthly cost low BUT pay lump sums of $1000 when I can or is it a fix rate so...

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