Peter Robinson, Our official Car Buying Expert says:
One of the first things that a Finance Manager trainee begins to learn is something called ‘credit union conversion'. Dealerships spend millions of dollars and many hours of training time on this most important of disciplines, and the reasons are many and varied. It is not wrong for them to attempt this, nor is it evil; it is simply good business. Of course, that doesn't mean you have play along!
When a person obtains their own financing through a credit union, very often they are limited in the amount of funds that are approved.
Read Peter's entire article CAR FU: Car Buyers Can Take This to the Bank