Actually it’s neither. It’s more difficult to negotiate with a bank for financing terms because these are usually fixed and widely offered. A dealer, on the other hand, is more concerned about you making the purchase. So they want to make the most out of their transaction with you.
The best option is through a car finance broker. Firstly, banks give preferential treatment to them because they can provide more business. Also, a broker has access to more lending options.
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