I work for a bank and can tell you that the dealerships will beat us on rate 7 times out of 10. TD seems to be the most popular (at least in the Lethbridge area) for vehicle loans. Not one person I have dealt with has had an issue with them. Payoff's are quick and easy and you probably won't get as good of a rate private as you will from the dealership. Just my $0.02
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