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Knowledge Hub · Your rights · Scams · 5 min read

‘Spot delivery’ and yo-yo financing

What to do when the dealer calls a week later saying financing fell through and you need to sign a new contract.

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Free preview · from the dealership side of the desk

Spot delivery is when you drive home before the bank has approved the loan. If the loan is not bought at the terms you signed, the dealer may call and ask you to come back and sign a new contract at a higher rate or with more money down. That call is the ‘yo-yo.’

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In the full guide

4 more paragraphs: the specific numbers, the words to use and what to do next.

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Keep reading

Yo-yo financing and spot delivery

What ‘financing fell through’ means, your rights, and what to say.

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