Sorry everyone for the OFF Topic banter:You can run an honest business, and you can run a shady business.
If someone comes in and is stupid enough not to have money to buy what they are looking at, and they decide to take a loan out for the item, there is no excuse whatsoever to take advantage of that. If the bank says they will loan money at 5%, but then you tell the customer it's 8% so you can reap the extra profits, that makes you a liar. And you KNOW damned well that stealerships do this each and every single day.
So, you are saying in a blanket statement that dealerships no matter who owns them in state (*dealerships are mostly independently owned) are dishonest and are a shady institution?
I do suggest that you talk to a bank or loan institution about your interesting thoughts about how dealerships offer loans.
* most states have legislation protecting this “ancient” business model, requiring automotive manufacturers to sell through independently owned and operated physical dealerships.