Not too late for 2012's, I don't think they go out of production until summer sometime since the next year models usually come out in September. I bought mine in October and there were probably just as many '11's to choose from as there were the '12.
Probably pretty easy to find one with close to what you want. Just shop around different dealers. I did my shopping by looking at the jeep.com website and looking at online dealer stock. They are pretty accurate although sometimes it takes a couple days for it to show one is sold. Depending on where you live, there should be multiple dealers to choose from. If not and they're too far away, they can find one from another dealer and have it delivered.
No idea on the financing stuff. There are always specials though.
Good luck!! Post with what you end up buying!!