re: Best way to finance a car

If looking at new check the manufacturer special financing rates. Not everything comes with a good rate but a lot of vehicles do so it's worth looking at that first because a lot of them can still be in the 0-4% range which is very likely way better than what you'll find anywhere else.

You can look these up on any of the manufacturer's website, usually under "offers/incentives" or something.

I even saw 1 deal recently where Hyundai is leasing out their Ioniq 6 for $239/mo with $0 down (other than first months payment) for 24 months. Thats a steal for a $44k vehicle.