Bingo. I thought I finally had the procedure down last time around. I found similar models, sent them my terms over email, and let them know I wouldn't put up w

Bingo. I thought I finally had the procedure down last time around. I found similar models, sent them my terms over email, and let them know I wouldn't put up with games and would walk the minute I detected any BS. Several dealers seemed to know the type of customer they were dealing with, and for the most part, played things straight. A month or two later when I was reviewing my account on the credit company's site, I discovered some sort of financing charge for $1500. I have no idea how they managed to slip it in - maybe I could have got it removed if I complained. But at that point, the sale was made and the creditor would blame the dealer, the dealer would blame the creditor, and it wasn't worth the fight. They just cannot be trusted - it's inherent in their business model and how the various teams (sales, financing, etc) all earn their commissions.