can a car dealer offer a down payment loan to a customer in nc?

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Question by Anthony: can a car dealer offer a down payment loan to a customer in nc?
instead of an I.O.U. can we write a down payment loan for the deficient balance and have the customer make payments while bound to a contract, as opposed to hoping they pay.

Best answer:

Answer by jimanddottaylor
Do not know about North Carolina, but here an IOU is the same as a loan except with the loan you collect interest.

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