Planning to get an Elantra GLS soon. First time buyer po mga sir. Ask lang ako ng advice if you think my dealership's offer is okay.

20% DP, 3 years financing at 27.2k monthly. All in with insurance, lto, chattel, seat covers, matting at tint.

Is this good enough or is there a dealership that can offer a better deal? Please PM me if you'd like to be discreet. Thanks in advance for the advice.