Redux

Ah...but does your car dealer give its customers advice on financing (shop around...talk to your bank or credit union...) or does the dealer offer to "do them a favor" and finance the car for them (sell them another product) and save them the trouble.

Do the dealers tell the customers that they may add a percentage or two to the APR for themselves after passing the loan over to the finance company.

I agree that it is the customer's responsibility to be educated....but many are not and unlike most retail sales, those uneducated customers are manipulated by the dealer.

added:
Funny thing about "expertise" in the Cellar.

Some only accept it if they agree with that expertise. If that expertise might challenge an opinion, how often is that expertise dismissed around here....just conjecture from personal experience.