,> The point is that dealer financing is usually a rip-off (because it's fundamentally another axis along which dealers try to extract money from you), but it c

,> The point is that dealer financing is usually a rip-off (because it's fundamentally another axis along which dealers try to extract money from you), but it can still occasionally be a good deal. Last time I bought a car the dealership was offering a loan backed by my credit union with identical terms and rates. Made my getting pre approval from my credit union a waste of time.