One way to deal with such potential scams with dealerships, is to go along with the high APR because some of them "may" offer lower prices on the car as part of that high interest rate "real deal" and more than make up for that deficit by the interest rate margin between the hypothetical 10% retail rate vs. their hidden rate of, say, 7%. Over the 48-60 month life of the loan they more than cover the claimed price discount even with that 3%. Plus if the dealer owns the finance company in question, then...you know the rest of that story.
Then the smart consumer waits just a few days while the interest starts accruing and then immediately pay off the loan in full either with cash or with financed moneys most consumers can get through honest credit unions, bank loans, etc. at responsible rates of interest.
The consumer then gets the price advantage, and Larry Miller and other auto dealer criminals of similar ilk will not get the extra 3% over the lifetime of the loan. But the consumer apparently still runs the risk of getting scammed in terms of alleged "service" when it comes to warranties or non-warranty repair "work". See what happened to the car Larry Miller in Peoria, Arizona totalled, as an example.
I learned this financing/pricing trick from a work collague who did this successfully many times when purchasing a new car. In the end he got a lower price for going along with the interest-rate and life insurance scams, and essentially ends up paying NO interest or very little (via honest lenders) at all.
God Bless Ripoffreport.com for providing this forum. Another God Bless goes out to the Attorneys General of the 50 states that usually maintain a consumer advocacy division that will take on cases against these ripoff specialists lurking in American society if the AG is satisfied that there are clear cases of fraud as has been alleged countless of times against LARRY MILLER's apparent and shameful lack of any kind of ethical business behavior.
Just why can't Larry Miller raise the bar and elevate the horizons of decency in their business standards, for maybe at least once?