Car Dealers will always have their own Financing Department. This is an added service to the buyer, and adds some revenue to their bottom line. These days, most people buying new cars will also need financing. If you go to the dealer wihtout knowing the current rates, you won't know if you are being taken to the cleaners or not. We recommend getting a quote from our Auto Financing page. When you get a quote from there, you aren't obligated to use that for financing. By all means, if the Car Dealer Financing Department comes up with a better finance quote, give them the business, they've earned it.