[tzs]

> You also need to walk in the door with your own financing

But also check out what the dealer/manufacturer offers. Sometimes there are factors other than just the terms of the loan to consider.

For example I financed my new car (2025 Hyundai Kona SEL Electric) through Hyundai because Hyundai was offering $7500 off if you financed through them. I could have gotten a better interest rate from my bank, but I'm going to pay the loan off early and even if I could have somehow gotten 0% from the bank it wouldn't have saved enough over the time I'll actually have to loan to come anywhere near matching that $7500 from Hyundai.