2.  Dealer auto financing. Is it a low rate auto loan or not?
In the car business dealer financing is known as Retail Installment Sales Contracts (or RISC's for short, an appropriate acronym). The dealer signs the RISC's with you, then sells it to a bank or other lender. Sometimes they participate in the low apr interest rate, so the higher the APR (annual percentage rate) they can charge you the more money they get.  Dealer used car financing is just something else that dealers "sell" you, by going to an outside lending place you are cutting out the middleman (the dealer) and not paying any more than you have to for used car financing.

3.  What are the benefits of On-Line auto financing? 
     -Usually you pay lower APR to lenders than you would at the dealer!
     -Your APR is locked for 60 days
     -Avoid headaches, scams, and frustration of dealer auto financing
     -Approvals are usually within an hour during business hours
     -Online lenders FedEx your check the next day after auto loan

4. An Auto Financing Money Saving Tip
To get the best possible deal on a used car or truck, do all of your homework before signing any contracts or putting any money down.

Dealer tricks (like secret APR increases, packed payments and other common rip-offs) can quickly erase any discounts or other savings that you think you're getting, so learn how to calculate your own monthly payments.

Use the Internet to get at least six quotes before you start negotiating with used car dealers

Bottom line is getting an auto loan these days is not as hard as it used to be. 

Now you have the internet to simplify the process and this in turn has made the lending companies MORE competitive.