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OP is in Canada as far as I understand and looking for a used car.
Lease is not an option on a used car (unless it's a lease transfer or still almost new/low kms)
Finance is an option but most dealers will want to target your monthly payment budget. Deal only with your out the door price (on the road price for Brits) then discuss your finance options once you have agreed a total purchase price with all taxes and fees included.
If you try to buy a car only talking about your monthly finance payments, you will pay too much. Your bank is entirely likely to be cheaper a far as the total cost of the finance/loan.
Dealers absolutely make money on used car sales as they should, but they make plenty on the black art of dealer financing.
You'd be better of on red flag deals or autos.ca forums for guidance on buying a car in Canada.