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You're more than half way then.
That's all anecdotal stuff though. Where's the data?
German Cars Are Less Reliable Than You Think, Finds Warranty Wise (fleetpoint.org)
Spot delivery is a scam to put you into a car, hide or sell your trade-in, if any, and try to embarrass you after you've shown the car to family and friends so that you'll be reluctant to turn it back over to the dealer.
If you don't qualify for the loan for whatever reason, when you go back to the dealer they'll try to squeeze a bunch of money out of you to redo the loan. Or they'll try to stick you with a mileage charge and maybe a big return fee.
Personally, I'd call the sales manager today and tell them to take the car back and unwind the deal. When you get approved, then you can proceed.
If the sales manager blows you off, I'd contact my consumer protection agency and file a complaint
Don't Fall Prey to Spot Delivery Scams and Yo-Yo Financing
Odd, I update my Garmin about every three months or so with the free updates. They still miss a lot of new roads though.
I have an offer from a dealer for 2017 Accord LX CVTInvoice is shown slightly higher here at $22,030, almost the same MSRP at $23,990 and the True Market Value average price paid is $22,609. Those numbers include destination ($835).
MSRP : 23,990
Invoice : 21,993
Doc fee : 180
Lic & Reg : 230
Tax : 1291.62
OTD : 22,187 (Holdback =460, incective=1000)
Is this normal offer or bad?
So the dealer is essentially paying your taxes and fees. About $1,700 below invoice it looks like a good offer.