Ok, I see what we are talking about now, all manufacturers have a holdback. If you bought a new car at invoice price the dealer still makes profit the amount of the holdback. You are not being double charged, it reflects the true "net" price on the car. The dealer pays invoice minus holdback for the car, plus any interest on the inventory $$$. Now there are dealers that will take "front end" losses on the car in order to hit objective based dealer cash, but then again the savings is passed to the consumer, by dealers doing what they have to do to hit the #. Now most dealers will tell you that the new car sales do not make up the profit center of the dealership, the used car/ "fixed" or service,parts,bodyshop, and F&I depts, are the profit centers. The new cars put up the sign and allow dealers to have all the other depts. Just a quick note, Toyota actually has a low % of holdback, when compared to many other brands, the Toyota store I worked at also carried Chrysler products and thier holdback was 3% of MSRP! instead of 3% of holdback. So if you paid invoice for a Neon, the dealer still made up to $750. If you paid invoice for a same priced Corolla the dealer made maybe 450$. Be assured if you paid invoice for your Murano, there was holdback, and the dealer did make some profit. And if your credit is enough of an issue to have to use the "in-house" financing, then I don't know what to say, because there is tons of risk on the dealers part to offer this, which is why most don't. That is why they make $ on the interest, because if there is a problem w/the car people like that just stop paying. Sorry again for being so long, but I hope this helps. By the way if anyone is looking for help on the true cost of a Nissan product I would be happy to help, just promise to at least allow the HB as profit.