If you have a good relationship with your financial institution, I'd go through them. My credit union gave me a lot better deal than sci on financing. Also makes the whole process a lot easier. 15 minutes at the bank to sign paperwork, and about 10 minutes at sci. Hand them the check, and the car is yours. Then you get a 45 minute tour of the car. Easiest car buying experience I've ever had. I'll never finance through a dealer again.