I bought my last car through J.D. Byrider, to be honest, and it sucked. I think over the course of my loan, i ended up paying them like $15 grand. The fact that I got a car and paid off the loan was good for my credit, but it was miserable. So this time, I decided to go through a private seller and just apply for the loan through my own bank. They have like a 4% APR and we don't have to borrow too much from them. Plus, I will put my tax return toward a deposit (which is a little less than a 25% deposit), and put the proceeds of the sale of my current car toward the loan. It seemed, ah, safer.
Once I have a deposit for the owner, I'm going to bring the car to my mechanic and have it checked out thoroughly. As far as I can tell, the owner was upfront about what we may like and what we'd have to fix. The sun roof is the only thing I really need to worry about at the moment, and as long as it's sealed closed, it's not something I have to rush on.