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 Grand Forks Air Force Base would depend on good financial decisions, which would include checking out bank rates and overall loan costs in North Dakota.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.