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I personally like to go through the bank on your financing. That is one less thing to negociate at the dealership, and from being a close friend of a dealership finance man, he suggested the same thing. There are often fees associated with the dealership loan that are not present with the one from the bank. Another plus of going with a loan from your bank is that you can talk face to face if you have questions throughout the life of the loan. Many car dealerships finance though places that are not in the city you are buying from.
What we did was get pre-approved for a $25k loan from our bank. They wanted to know what models we were looking into and then they did the credit check. Another nice thing is that some banks will tell you your score and let you look at your report. Just because you get pre-approved for a certain amount does not mean you need to take that amount. We ended up only taking $21500.
A nice thing about the bank we went through (US Bank) is that you can do automatic withdrawls from your checking account. This eliminates the late payment, and they also offer a free line of credit incase you don't have enough money in your account when the automatic payment is made. Their charges for the line-of-credit are interest only, which is nice. I know Wells Fargo does theirs differently and charge you a fee every time you do it.
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