<human>: Can you provide a brief rundown of the text in within 3 sentences?

Is there a difference when you buy a used vehicle from a dealer in the last days of Dec vs. the First days of Jan?

We are going to be new parents, and it is STUPIDLY DIFFICULT to get a baby car seat in and out of a 2 door hatchback yaris.  We're planning to buy something used, and 2010 or later with under 50k miles.

Not planning on financing through a dealer, because even if they are less than my credit union, my credit union has a "beat that rate" promo to get .5% off of any rate that can beat them.
<bot>: When buying used and financed elsewhere is there any benefit to us rushing to buy today or tomorrow vs in the first week of Jan?