Hi, anybody know which bank can offer low interest beside from what i got here for brand new perodua axia and proton iriz?

Proton Iriz : 46K
Affin Bank : 2.9% / 2.95%

Perodua Axia : SA told me that i can get about 3.33/3.5% interest rate at Maybank. It's seem quite high for me.

In general, longer loans come with higher interest rates right?