I have no idea what Ally's tier structure is but they are the captive lender for Dodge so I would guess that the F&I guy could probably work a deal with them Especially since you are already a Dodge owner. If you don't like the rate they offer you then just check with a few lenders on your own. If your recent refi was with someone other than Ally check with them I would guess that the second auto loan might be a little higher percentage than the first to accommodate the risk factor unless your income is capable of supporting the both without stretching the DTI.
Well we bought the car and it was financed by capital one, the dealer arranged the financing and we got % interest which we aren't happy about but.....we will refinance here pretty quickly. Do dealerships make money by giving you a higher rate?
They can make a few points off the spread (difference between the bank offers them, and what you commit to). The highest I've heard is around 2%, and is part of doing business with dealer financing. That's part of the reason (if you can) to arrange financing beforehand, or at least know where you are from other lenders and may give you a better negotiating position.
Out of curiosity what rate did you get? It's not that much of a challenge to refinance in six months, if it's out of line with your score you might be able to do it sooner.
Looks like they made a few bucks off the financing to make up for whatever they gave up on the sales price. You should be able to do better when you refinance.