“The best financing terms” is very subjective. It depends on what is best for you.
Once you find a car that you like, If you want a lower monthly payment you have 3 options:
- Ask to get approved for a longer term loan such as 72 months or more.
- Increase your down payment. This will decrease the loan amount.
- Improve your credit score or add a good co-signer. Banks will give improved terms to customers with better credit.