Many people ask;
“Is it better to finance through a bank or the dealership?”
What I always tell folks is that generally financing through the dealership is much better than a bank. Banks normally give the dealerships better rates due to the shear volume of the contracts they sign. Since dealerships represent millions of dollars in opportunities they get the better rates versus a single individual as one loan.
In addition, dealerships have many financing options so they have the ability to make the banks compete for the business. In the end, it means better rates for you and a lower payment.