Getting a car loan is doesn't require you to dress-up and get out of the house. In this modern day and age, almost every public service can be found on the Internet. So if you think you're credit rate is good you may get a car loan from your chosen dealer. But if you think their deals are not good for you, you can try looking for financing companies and get an auto loan. Cash customers get lower interest rates from dealers as compared to getting a financial deal straight from the dealers themselves.