
Originally Posted by
17Sphynx17
you don't go to the dealer. you go to the bank since you are decided on the car model and trim anyway.
They can be the ones to get the quote from the dealer for you and provide their rate.
In house of dealer always higher plus their DI.
When direct to bank no "freebies" or very little in the way of add-on to give you for free. But what you save over the course of the car loan is worth more than any of them combined and much more.