The better deal for the dealer is to get you to finance as much as they can, and with a lender they prefer. They usually get a cut/kickback from the bank you finance with, and this is why they like to be the one to offer you financing options. They will offer you financing with the bank that gets them the largest kickback, not necessarily the bank with the best rate for you as the customer.
The days of "prepayment penalties" for car loans are mostly long gone. At least for 99% of the more mainstream lenders. So there is very little risk in letting them sell you on whatever financing they want, and then you just pay it all off as soon as you have the account number from the lender.
The trick is to not tell the dealer you plan to do that (pay it all off within a month or two). You should confirm there is no prepayment penalty, but you don't have to continue the conversation or explain why you asked the question. Just say you are morally opposed to loans with prepayment penalties.
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