I know Canadian prices only. You are getting pretty good savings when you include the interest you are skipping for the zero percent rate. Saving $4000-ish plus the 7000. Though it only lowers the price by that 7000.
If this was Canadian numbers and those two options are the only ones, a Touring L + is about $52,400CDN. Dealer cost at 49,200CDN. Official Consumer Cash discount is 7,000. MSRP drops to 45,400. Dealer cost is at 42,200 after all discounts. 3.99 on the 45,400 gets about 5,000 interest. So it is a savings towards total ownership but not your purchase price.
Is the discount/rebate shown? Ask how much the discount is so you can find out if they are discounting anything themselves. If it works out to full MSRP it could be worth keeping the quote in hand for the next stop at another dealer to see if they are full price as well.