is bank or in house financing better for buying a car 
there is no clear winner between banks and dealer financing and it may be worth comparing interest rates from both before making a decision a car loan from a bank represents the true interest rate while dealers may charge a markup or extra fees for financing a car on the other hand dealers specialize in auto loans and may be able to get lower rates for newer cars some dealers even offer promotional 0 financing for the first year on a new car 