ronbo,
I think you are SOL on the smartbuy. I signed on thursday night and the residual was about 18500. on friday night the residual went down to about 14700 and the interest went from 3.5 to 8.25!
bottom line, it took GM a few hours to realize pricks like me were smartbuying a GTO for civic money and they dont want the cars back in three years.
toyotatoms deal is about as good as anyone will get. thats 23500 for a non red car less any gmcard money or 21500. at 2.9 for four years that is a great deal. cant get a camry for that money. plus if after three years you want to sell it and you get the 12k i think it will be worth you will not have gotten slaughtered like the poor folks that paid over sticker six months ago.
tom, the gm card thing is if someone had a gm credit card they earn 5% towards the purchase of a car. gm sent out a flier last month the increased my 900 earnings to 2000 if i buy by jan 3.
if someone you know/trust has a card with the bonus money they can add you to the card and you can redeem their earnings towards the gto. whatever you work out with them would be your business.