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Some consumers will spend days making sure they get the lowest price on a car but neglect to shop for the best auto loan.. That's a mistake. Making payments that are larger than the minimum will do much more to cut the finance charges than refinancing for a lower rate. Maruti suzuki swift dzire vdi - 2014 for sale 53 Maruti Suzuki Swift in Nellore from ₹ 50,000. Know your credit options. 3.7 Lakh. Many buyers—especially those purchasing their first vehicle from an auto dealer—believe getting a loan with the dealership is their only option; while this is a common option, it isn't the only one.. Below are several ways buyers can obtain car loans, along with a few of the advantages and disadvantages of working with each type of auto lender.