[Zappo]

One thing though. Talking directly to the bank does not help IMO. This I realized when I was shopping for a car loan. A manager with ICICI who looked after the car loans business told me (after we established some rapport based on my numerous accounts with them, my track record, my paycheck blah blah blah) that he will never be able to offer me anything less than the rack rates. In fact no one in the bank will be able to do so. He suggested that I approach the DSAs and play hardball with them. That is how the rates come down. The DSAs give you rates below the rack rates but banks don't.