My bank isn't competitive at all as far as auto loans. In fact they told me to go to Robins Credit Union. I hate Robins. My wife banks there.Back when you could sell a dumb kid with an LES a complete ****box at an insane interest rate. Those were the days! Oh, wait. That's still going on.
Sorry you're having these troubles but I do wonder what kind of rate your bank or credit union would offer you. I don't think I saw what interest rate the dealer was offering in your posts. I'm sure you could have a better chance of finding a vehicle if your financing was already handled.
Problem is MY bank would do an auto loan for me but it has to be under five years old. And I ain't trying to buy a $30K car.