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Is it better to finance a car through your dealer or your bank?
Will I pay less money for my car loan if I get it through my bank instead of through the dealership?
Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It’s not necessarily better to finance your car with a dealership versus with your bank since interest rates and fees will vary from location to location. Sometimes dealers will charge extra interest as a service fee, so do watch out for that! Ultimately, though, you should shop around to see where you can get the best rates and terms before settling on a loan contract.
To accomplish this, get a quote from your bank before you visit the dealership so that you can compare rates. It’s also a good idea to get quotes from other lenders, including
credit unions
and private lenders, to make sure that you’re really getting the best rate.While you’re looking for the best car loan rates, why not look for the best insurance rates too? The
Jerry
app makes it quick and easy to find the best rates available on the coverage you need. Just download the app and answer some quick questions to see quotes customized for you.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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