Car loans and mortgages, question

[Mnementh]

My experience has all been before 2007 so that may be invalid, with today's economy. That said, my experience has been that dealers will give you the best rates for new cars while banks & CUs have always beat dealers for used cars over 2-3 years old.

Also, depending on your circumstances you may want to think of this: when I refinanced my house I took out enough to pay off my car loan, effectively transferring the balance to my house loan. The interest is deductible and the rate was actually a bit cheaper.

Also, in my experience, banks & CUs will not give you a different rate depending on your business. They usually have two rates; one for 0-2 year old cars and a higher one for older cars.