I am financing car with a bank , but i got a call from a dealership ( that they can call another bank for me to get lower interest rate?

Personally, I like to stick with my local bank/credit union. So many dealers are in with Big Banks and get kickback in return. They want you to go with their bank because it benefits them, not you.

You first mistake was financing a car. That is really dumb. Always buy a car with cash. Oh you want the newest model? That's fine, but pay with cash instead of paying out the *** to practically rent a car. Growing up my parents would always buy a car with cash. Dealers hated my Dad for this because they knew they couldn't take advantage of him. I always remember when they asked what sort of financing he'd do and my Dad responded that he is paying in cash they would get this total shock on his face. I'm a grown adult and I have my own car, and guess what? I bought it with cash. Financing is meant for desperate fools who think they're getting something for nothing when it's the other way around.

Sounds like a sales call, nothing more. How would they know anything about your current loan or if they could beat it?

If you have already sign the financing papers it's too late.

It sounds fishy to me. Like how would a different dealer know you were buying a car in the first place? Unless you told them. And what car do they have for the lower rates? They sure as hell won't get the car you settled on at the other dealer. Run away, your being setup.

That sounds odd, I'd be concerned it's just a bait and switch tactic to get you there, then there's a "problem" and "this is the new rate" or fees or something.