When I picked up my car from Koons, the group buy was Not dependent on their financing. I made a small miscalculation and not do enough home work and come with 100% 3rd party qualification (Come with your own financing). But had the pre-qualification from CapOne. Big mistake as they only gave me a rate on the date of pick up, and I have great credit score over 800 and they slapped me in the face with a 6.5 interest rate. I know 1st world problems right! I was supper pissed, as I was expecting <3.9.
Well they said since they gave me a great deal on free oil change, tire package, and extended warranty they needed me to keep their financing for 3 months (in order for them to get a kick back from the finance company). I did not want any of these extra services but my wife! Love her to pieces was the only resistance had when pulling the trigger on my Cat. So I got these extra warranties which pissed me off a bit more. At about 2 months in I love the car but still pissed about the interest rate on some services I did not truly want which added 6K to my bill. Sooo I switch when I saw interest rates drop even further in 2021. We had no contract in keeping their financing for 3 months so I did what was best in My interest and not for their kick backs. I could of waited but you know how interest rates have been fluctuating the last few years.
I didn't loose any of my below invoice pricing or customer cash as financing was not part of that deal.