2004 wouldn't exactly count as you can still finance a car up to 7 years old at competitive rates. Older than that and you can't exactly negotiate the interest rate anymore - it's a take-what-you-get situation.
Yup, just come from Barons, and the only bank that will look at a 2002 car that I am trying to finance is Wesbank. We did not discuss rate, rather how much it would cost me over 3 years.