My previous credit union (IBM) was very flexible. I told them what car I like, they told me how much I can borrow and interest rate, they also told me how did I like to have the loan proccessd, deposit $ into my account, cashier check, wire $ into another account with another bank...
Only thing I needed to do was put their name as the lien holder when I registered the car. It was easy

Talk to credit union(s), you may never know how easy to borrow $ from them for anything and their rates are very good too.

 

I agree with the credit union comments! Mine gave me 3.75% rate - pretty dang good.

For comparison, CapitalOne wanted to give me 7%

 

Honda was recently offering 1.9% and 2.9% APR financing on certified preowned vehicles. They might reinstate the program at some point. Between this APR and certified preowned status ( 7 y / 100k mi powertrain warranty ), it might make sense to spend those extra $2000 and buy from a dealer.

Otherwise, I agree about credit unions. My wife got 6.5% for her car from San Diego County Credit Union, and my bank ( BoA ) offered me 8.9%. That's despite the fact that she has much worse credit rating than I.