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Loan markups . Dealers may profit when they steer consumers into higher cost loans. Are you experiencing money problems? Meanwhile, in California, most sales contracts are actually called "conditional sales contracts" and there are several statements in the document noting that the seller is attempting to get the buyer financed "at a speculated rate," says California Department of Motor Vehicles spokesman Armando Botello. However, the contract also says that if the loan is not approved, the buyer is responsible to pay the complete balance due.
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