Which is best? Financing with the car store or financing with a bank/credit union?

Obviously cash money is the best!

But yes tight budget but I need a car to keep rolling! I’ve had the hardest time passing smog and I’ve put so much money into a 1995 Nissan 200sx-se 1.6 that I’m just over it. I can’t get her to pass smog.

so…

I’m wanting to join the future finally and go for a 2010+ vehicle.

So what do you think? Finance with the auto store? Or with a bank?

How does it work to finance with a bank? Do they approve a loan and then only have a select few dealers? Or are they more wide range than that?

Thanks so much!

Share your experience with me please!