[mmvasq]

That is an old trick from companies exposed to a great deal of liability to cover the legal and administrative costs of perfection.

[immibis]

It's fine for them to cover the costs. They just have to include all the price (except sales tax in the USA for some reason) in the price tag just like every other company. You don't go to McDonalds, order some food that says $5, and then pay $5 for the food, $3.99 for being allowed to eat it, and $0.99 for processing the transaction.

[singleshot_]

To the dealership’s credit, McDonald’s is probably not selling you a McDLT on credit and they probably don’t have to file a UCC-1.

[LiquidSky]

Yet!