Logistics of a car loan



So my wife and I are looking for a new used car and we will need to finance. We are looking to buy within 6 weeks. We really only have time to look on the weekends but are disgusted by the in-house financing of most dealerships as it seems to ridiculously high. As an example, they wanted to offer us 9.9% APR (this was before any credit reports were pulled). We are compartmentalizing our negotiations (price of car, then price of trade-in, then financing) to try to get something that works within our budget.

Anyways, local banks are advertising used car loans at 4.9% and BoA (online) is advertising 2.9%. So how do the logistics of a loan from a 3rd party actually work when car shopping?

Please help

I didn’t find the right solution from the internet.

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