In the few cars that I've purchased, I've found that I get the best rates from the dealer. When we bought a truck for my wife, the dealer said they will go as low as X% (I don't remember what). I said, OK well we have our own financing lined up. Magically they dropped it another .5% below my credit union's offer when the credit report came back.RoyGBiv wrote: If the dealer offers you a better deal (first time the dealer beat my bank by 3/4%), just tear up the check. No harm, no foul.
