I used to work for TD Canada Trust and dealt with car loans quite a bit, always ask for the most experienced Financial Advisor at your FI (financial institution).
Making a good friend at the bank will pay dividends for a long time trust me on that.
In answer to your question most dealerships deal with the banks directly, and as the dealerships will buy lets say 5,000 loans from a bank a year, they will get the best rate. So I would reccommend getting your loan from the dealer.
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