First time financing a used car - dealership vs private seller? Need some guidance

Hey everyone, Looking to buy my first used car (budget around $20–22k) and need a bit of help figuring out the finance side.

Is it better to go through a bank or let the dealer sort it? I’ve heard some say dealers make it easy but might sting you with higher interest or hidden fees.

Also, if I go with a private seller, can I still get finance through a third party? And do dealer cars really come with warranty while private ones don’t?

Just want to do this right without getting ripped off. Would appreciate any tips from those who’ve done this recently. Cheers!

Thanks in advance!