Between the two options you present, a Bank is the best. Personally, I prefer a Credit Union instead.
You should get a loan through a company that will not resell your loan. Loans they don't resell are ones they think will be a safe investment. This is good for you too, as it means statistics indicate you are in a good position to pay off the loan. If you're a bad investment, such as having to do risky loans, the banks just make the fees on you and sell them off. If you're in this catagory, then you really shouldn't be getting the loan in the first place.
The problem with Finance companies is they are in the business of making the loans and then selling them off. This means they have no interest in making good loans. They only have an interest in making the fees and meeting minimum qualifications set by their loan buyers.
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