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In a related story, consumers often pay more for milk at a 7-11 than they would at Wal-Mart.

The bigger joke is that in many competitive areas, the consumer can benefit greatly from dealer financing (as opposed to direct thru the bank)because the delaer passes along their discounted rate to the customer. Example: XXX Bank offers 5% to customers at their door. XXX Bank give ABC Dealer a 3.5% buy rate. Customer is shopping rates so ABC gives them 3.5% rate - this way, they get some finance reserve income (flat rate, maybe $100-$200), easier to sell warranty, Vin etching, credit insurance, etc. if you have the financing there because you can add into payments, plus many F & I guys are on a pay plan that rewards by % of customers who finance thru dealer.