what is the best way to finance a car?

Get pre approved with a lender, although some car companies are offering good financing deals. The best advice, if you can wait a year do it. Take a few hundred dollars and go get a secured credit card. You will get a credit card for the limit of the money you gave them. Than use the card to build up your credit over the year. Never change more than 1/2 your limit. If you have a $ 200 limit don’t charge over $ 100 a month and be sure to pay on time. You have no clue how much money good credit can save you in the future. Use the credit card as a debit card. If you don’t have the money in the bank don’t put it on the card. I have decent credit and got approved for a 0.1 % interest rate on my car, my last car interest rate was 9.0%. HUGE difference. That’s a few thousand dollars. Also when you buy the car, don’t buy the gap insurance or extended warranty’s or tire plan or oil plan. Those are just scams.