I thought I remember Mazda having some good rates when I was pondering for my youngest (2.9% special). Might not be on the CX-9, but PenFed used car rates are 6.79% at the lowest used car rates. If the dealer can give you their new car rate, could be a chunk lower.
No financing, will pay cash to dealer.
You might want to consider it. I looked and saw new vehicle financing from 0% to 2.9% (CX-90). I get 5% just parking cash at Fidelity so if they had a 0%, I’d take it and just automate the payments and earn the 2-5% spread on the interest. Let’s say $30k, the 5% interest is $1500 a year so $125 a month to start. It will go down every month as you make payments but you’d still easily clear a few thousand especially since the Fed appears to not be lowering rates soon.
If at any time the spread goes to 0%, you just pay off the remainder of the loan and enjoy the extra you made.
This all assumes that they’d be able to give you the new car rates. Used 3rd party (even good credit unions) car rates aren’t below 5%.