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Do you prefer to finance with a bank or dealership? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make smarter financial decisions by offering interactive tools and financial calculators, publishing original and objective content. We also allow users to conduct research and compare data for no cost - so that you can make sound financial decisions. Bankrate has agreements with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this site come from companies that pay us. This compensation may impact how and where products appear on this website, for example the order in which they may appear within the listing categories in the event that they are not permitted by law for our mortgage or home equity products, as well as other products for home loans. However, this compensation will not influence the information we publish, or the reviews appear on this website. We do not contain the universe of companies or financial offers that may be open to you.



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4 min read. Published August 18 2022
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The article was created using automation technology and thoroughly edited and fact-checked by an editor on our editorial team.







Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate from late 2021. They are committed to helping readers gain the confidence to control their finances with clear, well-researched data that breaks complex subjects into digestible pieces.







Reviewed by Mark Kantrowtziz Reviewed by Nationally recognized student expert in financial aid

Mark Kantrowitz is an expert on student financial aid The FAFSA as well as 529 plans, scholarships educational tax benefits, student loans.









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When the time comes to purchase your next vehicle you need to first decide if you want to use your bank directly or through the bank itself to get vehicle financing. Both give you the opportunity to drive away with a brand new vehicle however, they differ in terms of experience, available rates as well as loan lengths. Which is better? Bank or dealer auto loans Consider the potential benefits and downsides of both options before you apply for financing. Bank financing The main advantage of going straight to the bank is that you'll have low interest rate. Dealers tend to have higher interest rates since dealers apply a markup on the interest rate each time they connect you to the lender. Additionally banks and credit unions offer a wide range of products so you're more likely to find the right financing solution for you. Dealer financing If you go through the process, you'll be able to avail a number of advantages which make financing simpler. You'll be able to use the dealership's financing office that will cut down on the amount of time you be able to shop around with other lenders. Dealerships are also known to provide manufacturer discounts, which include rebates, as well as other . Auto financing through a bank Financing through a bank can be an excellent option for those looking to avoid and feel confident shopping around and comparing rates. Benefits of bank auto financing If done properly, financing a car through the bank is an excellent option. Banks tend to have low interest rates and can be a good alternative if you require an additional loan. Drawbacks of bank auto financing However, non-bank loans can take longer to process and you might have to apply in person. It is also possible that you will not be eligible for a loan when you have low credit scores. Take into consideration the importance of your vehicle loan and the overall health of your credit prior to deciding to borrow from the credit union or a bank. What is the best way to finance an institution If financing with banks is the best option for you, you first must meet the eligibility requirements of your bank in order to be eligible for an loan. Most banks have an auto loan minimum and maximum, therefore, make sure you check to see if the bank offers an auto loan that meets your requirements. It is important that you know what car you intend to finance. Certain banks only lend to cars purchased through dealer partners. They may be able to impose mileage and age limitations. Find an lender who offers no-cost refinancing. This way, if your financial situation improves or deteriorates over time, you can modify your loan without additional hefty costs. You will also need to get a bank quote. During the quote process, you can decide on which term is best suited to your monthly budget and get an idea of the overall cost with interest. When you do decide to move through with the application and the lender will likely request documentation like W2s, pay stubs from the last few months, proof of address and an official ID. Do you think bank auto financing is right for you? A bank loan might be a good option for those who require an increased loan quantity, low interest rate, or the repayment period is at least five years. Be aware of the disadvantages and benefits of bank financing before making a decision and make certain to research your options. The dealership financing option is a good alternative. is an option for you if your credit isn't in good condition or you do not have a relationship with any banks or credit unions. Benefits of financing through a dealership The principal benefit of using a dealership to finance your vehicle is the convenience. You don't need to apply for financing through a bank and potentially wait for days, or weeks for approval. Instead, you'll be able to go to the dealer and drive home behind the wheel of your . If you've got someone with you, you could have that person come with you and make the buying experience a bit more relaxing. Dealership financing has its drawbacks initial drawback might appear to be a good thing. Dealerships typically offer financing terms which can include zero deposit options. While these could result in an attractive monthly payment as well as beginning costs, you'll end up paying more interest in total. You are also likely to receive a greater interest rate. Dealership financing is more expensive than typical bank auto loans regardless of the credit rating. Dealers both add a markup to the interest rate they offer and are enticed to refer you to specific lenders even if they could offer a better APR elsewhere. How to finance through a dealership Dealerships work with major banks as well as online lenders and credit unions to provide auto loans through their own financing division. This means you will be in a position to finance your vehicle through a plan with the company with a lender and the dealer will take care of the bulk of the work. If you're approved for financing through the dealership, you'll be taken to the dealership's financing department to close the deal. This process will differ depending on the dealership, but it is likely that you need to fill out a few forms and provide proof for income as well as assets. If you're approved, the dealership's finance manager or a representative from the dealership's auto lender will be able to assist you in reviewing the loan details and finalize the loan. Is dealership financing right for you? A direct loan to your vehicle at the dealership is the best alternative if you're looking to avoid the heavy lifting involved in shopping for financing. It's also easier to get approved for, so in the event that you're a poor credit holder and are unable to get financing from the dealer, it may be more accessible. Guidelines for obtaining an auto loan No matter if you're applying for your auto loan directly through the dealership or via a bank or credit union it is essential to get prequalified and then shop around. Get prequalified If you are applying for financing via the credit union or a bank you should take advantage of the process. The process is usually offered on the internet and can be a good opportunity to determine of how much you will be eligible to get. It is necessary to have your income as well as savings details on hand to complete the procedure. If you are prequalified look for the loan with the rate you were given. The majority of auto loan rates are negotiated, as can be said of fees and the length of the loan. Numerous lenders compete to get your business and you can use this advantage to your advantage. Do not settle for the lender that doesn't provide favorable conditions. The next steps are to look at both dealerships and banks can be viable options when it comes to financing your new vehicle. But they each have their pros and cons So be sure to research for the best rates of interest and repayment terms. Learn more


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Written by

The article was created by using automated technology. It was then thoroughly edited and fact-checked by an editor on our editorial staff.



Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are committed to helping readers gain confidence to control their finances by providing clear, well-researched information that breaks down otherwise complex subjects into bite-sized pieces.






Auto loans editor


Reviewed by Mark Kantrowtziz Reviewed by Nationally recognized student financial aid expert

Mark Kantrowitz is an expert on student financial aid, the FAFSA as well as 529 plans, scholarships as well as tax benefits for education and student loans.






Nationally recognized student financial aid expert




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