[hvychev]

Bill you are right on. The extra "profit maximizing" comes from the interest savings that the dealers get by not having to floor plan their inventory. You don't have to use GMAC if the dealer is in with a local bank. They might floor the cars with them if they get a better deal but flooring your car with your captive lender has other benefits.

BTW most soures have a period of 90 days before they charge juice on a car. That's why most of you have heard some dealers say that you might get a better deal if you order a car. In and out.