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The last time I was looking (~6 years ago), banks were unwilling to offer and very judgmental about my request for a loan on a used car. They said loans were for new cars and the bank isn’t a replacement for a little financial know-how. I only went to two banks and one credit union, because I got tired of being condescended to, but the dealership said that they hadn’t heard of used car loans from a bank before (could be a lie).
That was absolutely a lie from the dealership. You can apply online at most places now to save yourself some time. Many places even list their loan rates broken down by the type of loan (48 month new car, 60 month new car, 60 month used car, etc) so that you can compare rates without even filling out a loan application.
You might also check your credit score with Credit Karma, or your credit card company, or bank to see where you sit (these will be Vantage scores but should be close to the FICO scores used when applying for a loan) just for some more insight.
Shop around to see who has the lowest rates and then start applying. Once approved you can then walk into the dealership to actually buy a car and even used your pre-approved loan to negotiate a better rate with the dealer since they get kickbacks from banks. Also be sure to never negotiate based on the monthly payment, just the total price of the car because they can really screw you with interest rates and term lengths to make your monthly payment seem low while you end up spending more overall when negotiating based on monthly payment alone.
I absolutely have used a credit union loan to finance a used car. They had rules...less than ten years, 85000 miles or something, but definitely did the loan. At the time anything under 7000 was considered a personal loan and had a higher interest rate.
Good luck.
Yeah, it’s very possible that I just hit bad luck with the banks and the dealership lied, or maybe it’s location dependent 🤷