Back in the day, don't know if they can still legally do it, but...
Walking into the finance department at a dealership could be deadly. They got commissions on the loans they secured. And additionally on the % rate they applied.
If you were a "Payment" buyer. Meaning the only thing that mattered to you financially was what payment you had to make monthly. They could come up with some creative loans that had outrageous interest rates.
The finance department at a car dealership is a room you should avoid at all costs. There is some VERY creative financing and high pressure sales going on in there.