My friend recently bought Pilot from Clutch.ca, they charge flat 3.5% “cash processing fee”. He just paid cash to avoid touching his credit record score and save time.
These guys are online so no usual dirty dealership tricks, he said price was better than 90% dealerships, car clean and process is pretty streamlined.
Charging a 3.5% processing fee.. sounds like a "dirty dealership" trick to me.