I wouldn't worry too much about the 0 for 48 Sheffield program that's out there right now! Speaking as a dealer, that program worked great at the beginning of the year but something changed this Summer. Apparently the credit level was raised significantly and basically no one was getting approved and hasn't since, at least for me.
I had one guy with great credit get turned down for it so he called up to complain and they told him (his words, not mine) that you needed a 780 (yes 780) to qualify for 0 for 48.
1.99% for 60 is a good one with low payments and no pre-payment penalties. That's what I try to talk up to my guys so they're not all freaked out when 0 for 48 doesn't happen.