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Why would a dealer insist on me getting a loan instead of paying cash?

"Why would a dealer insist on me getting a loan versus cash? I want to buy a new car and I have the cash to do so. But when I went to the dealership, the dealer was adamant about me getting a loan and said it would work out in my favor."

Eric Schad · Updated on Jul 28, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

“That’s because many dealers can get a commission from lenders for providing the lender with a

loan.

If you’re doing dealer-arranged financing, that’s usually what happens.

If you run into this issue and the dealer is all but refusing to accept cash, just walk away or ask to speak with a manager. Every business loves cash in hand, especially for high dollar items.”

MORE:

What to Bring When Buying a Car

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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