The article and comments (so far) miss the second dealer purchase negotiation phase. So you got a car for MSRP, or whatever, that's very nice. Well for $5/mon

The article and comments (so far) miss the second dealer purchase negotiation phase. So you got a car for MSRP, or whatever, that's very nice. Well for $5/month over the lifetime of the loan we can throw in dealer provided product like this custom set of floor mats, they're really nice floor mats and you want a clean car and they're only going to cost you $5/month, right? (note that's $200 for those floor mats...). Or how about rust protection underbody spray, our dealership sells that for only 100% markup over just hiring a local to do it. Or how bout that service plan, we can roll your manufacturer scheduled $80 oil changes right into your loan, why, during your loan you wouldn't have to pay for anything but the loan and gas (and insurance, and garage, and parking permits, and that $80 oil change costs $40 anywhere else or $20 if you do it at home). You just spent $25K, how bout getting years of extra worry free driving with out extended warranty program, years of worry free driving for just another $3K?