OMG.... You all are right... I LOVE IT! I love it so much, I pluncked down my deposit for a SSM EX-L w/ RES. Dealer had a black one on the lot, but I have him looking for the Silver. Now I have to just wait....
I had Academy down to 4.44% two weeks ago. I went with Willis because of their service extras, but I definitely think that you can get them down under 4.44%. If nothing else, tell them that another dealer has quoted you better, but don't tell them who or how much. I actually had Academy and Willis in an interest rate bidding war. Good Luck!!
The strategy that I used to get a lower rate was to:
1) Secure a low rate using an online bank like Peoples First. My rate was 5.49% for 60 mo.
2) Get preapproval from Academy Honda Financing and mention the rate that they have to beat. Even though they will tell you that they won't accept People's First Financing, which I think is a lie, it gives you leverage.
3) After they make their initial offer, tell them you were offered a rate like 4.5 or 4.75 from another dealer. This strategy removes the possibility of denying the People's First Financing and will force them to give you their best rate. I actually had a bidding war, but they do not have to know that you do not.
If you wait until you have the Pilot in front of you and are sitting with the Finance Person, you limit your leverage. Definitely get preapproval before signing the papers so that on the day of delivery, you are in and out without any haggling.:2: