The best replacement for dealer financing is bank financing.

The best alternatives to dealer financing are rated as following:
★★★★★  bank financing
★★★★★  bank loan
★★★★  credit union financing
★★★  credit union
★★  bank
  rebate

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Google Trends

Scale is based on the average worldwide traffic of dealer financing in all years. Click on graph for more.
dealer financing
bank financing
bank loan