Canada

This is the best summary I could come up with:

After test-driving a 2021 Jeep Compass at a Toronto dealership, John Hussey had the money in his bank account to buy it outright — but his daughter says he was told he could only drive it home if he financed it.

Cost of Living reached out several times to Canada's largest lenders: Scotiabank, CIBC, RBC, BMO and TD for more information about the commissions they give dealerships, but their spokespeople either did not respond or declined to comment.

While Maitland said financing is a "big revenue source" for dealerships, he doesn't turn away customers who want to pay cash because he thinks that would tarnish his "long-term relationship and reputation."

George Iny, director of the Automotive Protection Association, said forced financing is a reaction by dealerships to the Canadawide vehicle shortage that cropped up during the pandemic because of supply chain problems.

Vancouver resident Bryan Balmer and his partner, Dan West, wanted to buy a 2020 Volkswagen E-Golf last fall from a local dealership and made three cash offers on the spot.

However, there are some jurisdictions — such as Nova Scotia and the Northwest Territories — where provincial consumer protection laws do not prohibit dealerships from charging customers a fee for paying off their loan early.

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