you will have to pay a higher interest... When I was looking to buy a car (I eventually bought it new) the bank suggested rather taking a personal loan because the interest rate is lower than taking a second hand car loan...

As to the best bank.... have no clue... but if you don't have an account anywhere as yet, I think you have to open one first then have it active for 3 - 6 months before you can take a loan for anything...