Floor Plan / Floor Plan Interest
How dealers finance their inventory. Days-on-lot = pressure to sell.
Why it matters
Dealers don't own most cars on their lot — they finance them through "floor plan" loans from the manufacturer or a bank. Floor plan interest accrues daily on every car. Cars sitting 60-90+ days are bleeding the dealer's margin via floor plan interest. This is why "days on lot" is a powerful negotiation lever — a 100-day-old car has burned $400-$800 in floor plan interest already, and the dealer is desperate to recover.
Have a dealer quote with this on it? Check it with the free dealer fee checker: every line comes back junk, negotiable or legit, with what it really costs.
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