Arming yourself with this information before visiting a dealership will keep a car dealer from being able to force any back-end products into the car deal without your knowledge.
If a finance manager tries to pull this kind of dealer scam on you while you’re in the finance office. Ask them to see the callback or approval sheet where the lender is requiring you to purchase an extended warranty or any other back-end products.
If he starts to backtrack or make up excuses, tell him you believe he is trying to force these products on you and you do not want to purchase them. If he’s persistent, tell him to put it in writing that you must purchase an extended warranty or certain back-end products before you will be approved for a car loan.
Always read everything and have the finance manager explain all the numbers to you. If you don’t understand something, have them explain it until you do. If you find something added to your car deal like a warranty, credit life, disability insurance, or GAP, and you did not agree to it. Have them explain it, or remove it from the deal completely.
If the finance manager insists you must purchase any extra products you don’t want, kindly thank him for his time and just GET UP AND WALK OUT IMMEDIATELY! Your car salesman or a sales manager will surely approach you and ask what happened. Some finance managers may work independently and will get into serious trouble by attempting this kind of scam in some dealerships.