A dealership can either use the bank tied to the car make of the dealership your buying from (toyota financial, ford financial, etc.) or they can send your application out to other banks like Chase, Citi, etc. and as far as I know recently rates are not usually below 6% unless like I said it's a special finance offer on used certified cars for that dealership. Also when you come to the dealership with cash it's either to talk them down and close the deal faster.
