Car financing and loans can take place in several different ways: At an auto dealership, bank or credit union, online financial institution, home equity loans or simply through a family member or friend. Financing would include interest rates, terms of the loan, down payments, rebates, monthly payments, and extended warranties. Shopping for a car loan around Bayonne would depend on good financial decisions, which would include checking out bank rates and overall loan costs in New Jersey.Credit unions are again a good place to shop for loans as they have lower operating costs and offer lower interest rates as a result. One's chances for obtaining a decent rate on loans will depend greatly on one's credit history.