Our finance folks work with many diffrrent banks to find your best rate. Our customers are free to shop the rate, but not many do. Some have and have come back, and occsionally one will find a better rate. Advantage to working through the dealer (at least us herre at LD), is that it is all coordinated and quick. My customer that found a better rate went through all kinds of issues, call, more calls, paperwork, more paperwork etc. At the end she told me that if she knew it would take as long as it did, and be as much hassle as it was, she would have just stayed with what we had found her. Of course, over the term of the loan she will save money, so in the long run it was worth it, but short run she was ready to haul a banker over a desk.