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Credit unions by far. I'm in So Cal and use Pacific Marine. My first car loan ever was through them and got me $15000 financed for 60 months at about 2.5% interest. I'll be using them for my BRZ loan as well. They now are offering as low as 1.49% on auto loans depending.
I'm 22 by the way. I'd imagine someone around my age will require a cosigner for their first auto loan.
I didn't have a good cosigner but wanted to establish credit, so I did a share secured loan and put up $15,000 of my own money as collateral rather than simply pay cash for the car. I made my payment every month (around $265 I think) and that would free up that amount minus interest in the account holding the "collateral money", so I essentially had a $15 monthly car payment while establishing credit.
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