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I'm not sure what's going on there, other than selling after market warranties and such. It's obvious the finance department wants the opportunity to sell you something, even if you don't agree to it. But typically all you have to do is listen and then say 'no'. You don't buy the car until you sign on the dotted line back there.Issue here is I have a pre-approved loan in place from a CU, let's say X, who just want a purchase agreement listing car details and price and can give the check (which I presume would be a bank check). X happens to be part of CU DL. The dealership isn't happy with the fact that I already secured the loan with X externally - they want to run credit again and make me go via CU DL again get financing from X, which is ridiculous from my point. When I offered an all cash option, without any financing from X, they didn't agree to that either.
Do you think informing/involving SOA can help?
Thing is, for us, we use CUDL as well. I frequently have customers come in who are pre-approved through their own credit union and because of our buying power, we're able to get them a better interest rate going through that same credit union. You're going to them asking to borrow $40K once every 6 years. We're typically sending them $500,000 worth of loans every single week. Who's going to get the better rate?
I'm in a rather unique market, I suspect. Probably half (or more) of my customers are financially able to come in and stroke a check for anything on my lot they want. The only time I really run into a problem - and that's as a salesman, not you as the customer - is when the customer walks in with a cashiers check already filled out. I'll also note that even if you walk in and stroke a check with my business office ... that's why we have a spot delivery form. You drive it off my lot, you're an owner. If the check doesn't clear for some reason, we'll work with you to get it financed or repossess your car. I don't think any dealership in our area, especially if you're already pre-approved, makes anyone wait for a check to clear before you get to take the car home. (Especially not with tele-check approval!)