I think there is no fixed rate for car interest loan,Bank Negara only put some some range for it: i.e national car (2.88-3.25%) or non national car (2%-2.5%). The actual rate to be paid: is the "game" played between dealer and the banks, and consumer will be paid what is agreed between car dealer and the banks (the dealer will come to you and tell, "this is the best I can get for you..bla..bla..bla"- and every dealer will get a commission from the bank if the buyer agreed to buy the car for the said interest). If the dealer can get the highest possible interest for customer to agree, bank will be happy, because higher interest rates means more income for the bank. and commi$$ion for the car dealer. win-win situation for the bank and dealer, but not so win-win between consumer and the bank. (unless the interest rate is below 2%)

If you see in some car ads in local newspapers, i.e: toyota and peugeout - they can offer 1.88%-1.9% interest rates for some of its model, it means there is no fixed interest! and from what I've read, to be eligible for the lowest interest rate, (in case you go deal directly with bank), they will take account a few things:

1. your monthly salary - they will look for bigger NETT income
2. your down payment - Bigger down payment, not that mandatory 10% dp, but maybe 20% or 30%.

I think it is very important to go to as many as possible banks to look out for best possible deal and do it yourself, not by a dealer or middle man. Unless, the ads already stated the interest rate is below 2%, i don't think you can find any better than that.