“Financing is at lender discretion and more times than not a dealer does not have any control over who does and does not get approved for a car loan. However, that doesn’t mean that it’s just a ploy.
Some dealers work with so many lenders that they know where to look for financing and can get financing for people that would’ve been denied a loan at other dealerships. There is always a chance that you can be denied, though in which case the dealer may choose to finance the car in house.”