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That's why dealers want you to get your financing from one of their lenders. Because they will accommodate the Sticker price that the dealer negotiates with you.
This is also the reason why you don't get a good deal why you pay cash. It used to be that cash was a great way to save money on the price of a car. No more. The banks got smart and are offering incentives to dealers for using their loans.
The deck is stacked against us I'm afraid...
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