Where do you go for a loan? A place that has money
The above are great suggestions. Credit Unions have historically had lower rates than conventional banks. Banks will also charge more on a loan for an older car vs a new car. Make sure you have some collateral, clean credit history too.
Be sure you can afford a loan too. You mentioned you used to be a "cash" guy, which is a great way to go. No debt to carry.. no loans to pay off... Figure out just how much/mo you are willing to spend. They figure out how long you want to borrow for. Then make sure the car you persue will outlive the loan
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