Compare interest rates across all lenders
Go with lender that offer preferential interest rates that correspond with your income, credit score and car loans offered by dealer finance companies

2, Plan your finances by Negotiate the prices and terms:

Don’t decide in haste, try and look into their financing options and Compare the prices of your favorite cars before you reach the store to make a wiser decision.

3, Check processing fee and pre-payment charges:

Make sure that you are not being charged higher interest rate or any additional charges to make up for the concession or waiver of the processing fee. choose the one that imposes least restrictions and charges the least on making prepayments when selecting your lender

For more details: https://bestmarket.com.ng/2021/04/things-consider-before-applying-for-a-car-loan/