Car Dealerships Don’t Want Your Cash—They Want to Give You a Loan




Fred Hebert wanted to buy a Lexus sport-utility vehicle late last year with cash, but he said the dealership gave him a proposition: Finance it or it will cost you almost $2,000 more.

He felt he had little choice. Supply-chain bottlenecks were making it tough to find the white RX 450 hybrid model he wanted elsewhere, and he had an immediate need for the vehicle. The dealership arranged a loan.

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