<prompt> Human: My 18F parents are buying me a year old SUV 25K from a dealership. Would it be cheaper in the end to go to a bank for 25K or just financing the car through the dealership. Im pretty sure my parents are putting 5K down.  <response>: If you are parents are buying you a car, then why are you financing it? Finance with the one that gives a lower interest trade. That can fluctuate between the dealer and a bank depending on who the dealer and the bank are. 