Not necessarily. When I bought a used car a few years ago I got a great rate (< 2.5%) from my local credit union, and the rate the dealership offered was almost

Not necessarily. When I bought a used car a few years ago I got a great rate (< 2.5%) from my local credit union, and the rate the dealership offered was almost as low. Rates are much higher across the board these days, but the principle should still hold.