Best is a realitive question. I am a firm believer in going with credit unions, they consistantly offer solid APR's and great customer serivice. I have car loans with Penfed and NFCU and both are great, many here have had excellent results with DCU or their local credit unions also. My suggestion is to have a preapproval in hand before shopping, depending on the car your looking for the dealer may be able to beat a credit union rate right now because there are many manufactuer sponsored rates right now and your scores are probably good enough to get you a promotional rate if one is available. Either way I think it is always best to have that preapproval in hand first because dealers like to mark up APRs and that preapproval keeps them honest.
