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You should shop around - most of the financing that is availible at the dealerships is similarly availible through various banks or credit unions. You don't have to open a bank account at the location you get the car loan through - they will setup a loan account and you will be a member without any checking or savings, etc. Just like the dealerships do with their finacing companies. It's worth looking into - you might even save some money being that you would be buying a less expensive car.