> Whilst most finance deals are scams, there are good ones.
It's hard to get these though. You need a combination of good credit scores, a lot of time, math knowledge and car knowledge and insider connections for that. Everyone else will get ripped off.
> Most independents are cheaper
I admit I'm a bit clueless about the US situation, but here in Germany if you have a new car it will lose resale value if checkups haven't been done at an authorized dealership in the prescribed intervals ("scheckheftgepflegt").
Losing "value" on independent services is true, but unless you have the car a short time you will not lose more than you save (UK) unless its a very premium car.
It's hard to get these though. You need a combination of good credit scores, a lot of time, math knowledge and car knowledge and insider connections for that. Everyone else will get ripped off.
> Most independents are cheaper
I admit I'm a bit clueless about the US situation, but here in Germany if you have a new car it will lose resale value if checkups haven't been done at an authorized dealership in the prescribed intervals ("scheckheftgepflegt").