Yeah.. best to do your reasearch and understand all the details.
You need to work out what is best for you.
People who go for low rates don't always get the best loan - it is a HOAX!!! - they often pay a lot more.
i.e. fund your car on your mortgage, and you will pay for 2.25 cars over the 25 years even if you get a rate at half of a personal loan over 5 years.
AND, that is you don't pay all the fees associated with it.
There is normally a reason why a manufacturer sets up a finance company to for their customers - to help sell the car.
Look into it low rate is not a cheap loan.
"Non-Engineer - Guinea Pig Type" - aka Wavy Gravy