A "Yo-Yo" deal is a transaction a "spot" delivery that has no intention of getting purchased by the bank under the terms the contract was written . 50% or more customers come back to the store for "recontracting". Some dealers do this to keep the customer out of the market place. Once the customer is riding, the customer will show the car to their friends and family and it's difficult to return the vehicle even if the payments jumps up to a $100 or more. Tom Hudson of Hudson & Cook describes this practice as deceptive and unlawful but yet it continues to happen. When these type practices are condoned it not only undermines the dealership reputation but reduces overall performance. It's nearly impossible in those store to engage in menu sales or a consistent practice that speaks integrity on the floor. Although this type sales philosophy is not tolerable by many auto dealers today we shouldn't take a blinds eye and pretend it doesn't go on. What one dealer does effects what we all do- it's hard to win back our hard earned reputation. Don't let the exception become the rule!