Banks, credit unions and finance companies

Alternatively, you can get your car loan directly from the lender, be it a bank, a credit union or a financial company. You can opt for a physical store or connect online with a lender like In both cases, direct financing allows qualified applicants to obtain loan approval before visiting the dealership. With prior authorization, you can buy a car that already knows the conditions of your financing. This can help you stay on budget and negotiate the price.