I agree with @TuDaizeU. It is the dealer! I was financed thru Roadloans/Santander in the fall 2012. I went to a couple of the dealerships listed on their website but since my credit score was around the 520's at the time I had a really high fee that the dealer had to pay for the loan to go thru. It is true about the fee!
The process was really easy. I applied online, was approved, printed off the forms and went to the dealership to pick out the car. One of the dealerships called me and saw I was approved with Roadloans and I told them my situation about having a high fee that a previous dealer did not want to pay. He said that as a customer I shouldn't even know about the fee and to come down with the dealership with the paperwork. The dealership was a big dealership that sold brand new cars...I have never bought from a dealership like this before! They showed me some cars and I ppicked one out. I then gave my $1500 down payment, they I chose to do from the Roadloans website and after riding the bus to the dealership, drove home! Although I have a high interest rate (which is expected I had a repo, and a bunch of stuff in collections) they gave me a change and I have I bought a car that was only a year old at the time, with low miles. As long as you pay on time, everything should be alright.
