The Spot Delivery becomes a scam when, a dealer tells you that your
approved for a car loan at a certain interest rate and term and they
absolutely know upfront, there is NO WAY you will qualify for the car
loan as written. The dealer has you sign all the papers and take
delivery of the vehicle, meanwhile knowing they will call you back in
the future telling you, "You're financing fell through", and try to
force you to put more money down or buy the car for a longer term or
higher interest rate.
Since the dealer let you take the car prematurely, this will take you
off the market and allow you to fall in love with the vehicle.
Believing you just bought a car, you will, of course, show it off to
your friends and family. The dealer will use this emotional attachment
of your new car to their advantage when they call you back at a later
date and tell you, "Your financing fell through". This is when they'll
start to work you for more money or try to sign you for a longer term
or higher interest rate if you want to keep the car.
Don't let this happen to you!! It happened to us at Eagle Ridge just this week.
Check their rating on BBB before you shop there.