You’ve done your homework, found the car that checks all the boxes, and head to the dealership ready to seal the deal. You’re picturing the drive home already—until the financing talk throws a wrench in your plans. The bank says no, and the credit union isn’t much better. Just as things start to feel like a dead end, the dealership brings up something different: in-house financing. It sounds like a fast track to getting approved—but is it really that simple?


