Most dealers – used or new – will offer financing and, because most major carmakers operate their own banks these days, the financing offered by new car dealers will vary little from what your bank will offer. However, some carmakers may offer special conditions on certain cars they’re trying to move. For instance, in early 2008 VW offersed 3.9% financing on most models, while bank financing starts at about 4.5% for 12 month loans and then spring above 6% for anything over a year. When buying a used car, you’ll get a better deal from your bank. As with any major purchase, shop around for financing to get the best rate.