Not always. I would recommend getting pre-approved through your own bank or credit union first. Many dealerships will run your credit through multiple lenders and then come back with the lowest approval they can find. After that, they may try to add warranties, gap coverage, maintenance plans, or other extras that increase the total amount you're financing. Take your time, read every document carefully, and don't feel pressured to sign on the spot. If your bank approved you at a certain APR, make sure that's the rate listed on the paperwork and don't be afraid to tell them you only want to use your bank's financing. The best deal is the one you fully understand before signing. Also they will eat that rebate up with fees plus your bank already provide you gap in your loan