First about myself. I have an excellent credit profile. I have a professional studies loan which I am currently paying off. The car needs changing but I'd like to get something that I can keep for a while without the need to change it in 2 or 3 years. So I'm looking to borrow about £5,000 plus put in a bit of my own savings.
The options seem to be either to get a finance deal from one of these car dealers themselves, or to go to my bank (HSBC) for a personal loan or use a lender from Moneysupermarket etc. for a loan.
I'm wary of asking around too much and messing up my credit profile, and I wondered which option is likely to be the best in terms interest rates. Does anyone have any experience with this?