When shopping for vehicle financing, there are three primary places to start the search. Online lenders. This option makes the comparison of rates, terms and special features seamless. Many times, online lenders boast fast funding and an easy application process. Banks or credit unions. If you prefer the tradition of a bank, securing financing that way is great for those who want an in-person experience. Plus, borrowers with previous relationships with a bank can likely benefit from improved rates. Dealership financing. While not always the lowest APRs, dealership financing is handled in conjunction with vehicle purchases and can expedite the process.