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This Fool was told by a Sales Mrg and his F&I guy that a car dealer often has to PAY a finance company several thousand dollars to get them to agree to finance anyone who's only a fair to poor credit risk (so-called "D" Paper) - even though the buyer is providing a substantial downpayment. Naturally, the dealer wants to pass this huge financing fee on to the buyer. Is this a scam by the dealer to get more profit? Doesn't the lender make its money through the finance charges?
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