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More and more consumers are getting their auto financing online instead of from the dealerships where they buy their vehicles. Getting auto financing from a dealership has some benefits: * Convenience - vehicles and financing are in one place and the dealer is motivated to find financing for buyers, no matter their circumstances. * More options - a dealer's relationships with a variety of banks and finance companies mean they can offer a range of loans to fit a buyer's credit rating.

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* Special programs - sometimes dealers can offer manufacturer-sponsored, low-rate programs, but usually only to people with good credit. But getting auto financing online offers even more advantages: * Certainty - buyers know how much they can spend before setting foot on a dealer's lot. * Clout - buyers with financing in hand are treated like cash customers and are in a stronger negotiating position. * Cash savings - because of competition, online buyers often get the lowest interest rate possible for someone with their credit rating. * Calmness - buyers aren't subjected to the high-pressure tactics of a dealer's finance department.


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