Not in New York State. I don't know about other states.

Also, it is very unlikely that you'll get a loan from the dealer at the buy rate. If you're very good you may get within a half a point. And, by the way, when you're grinding the financing guy for a lower interest rate, do the math and figure out just how much money you'll save. Don't make an enemy out of the dealership to get an extra two-tenths of a percent off the rate. They'll remember you if you go back to buy another car.