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In-House Financing vs Bank Loans: Which is Better?

By speedwaystaff | January 29, 2025 |

When buying a car, you’ll likely choose between in-house financing (handled by dealerships) or bank loans (offered by banks or credit unions). Here’s a quick breakdown: Quick Comparison Feature In-House Financing Bank Loans Approval Time Same-day 1–3 business days Credit Check Flexible or none Requires good credit (650+) Interest Rates Higher (24%+ APR) Lower (5.5–6.5%…

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