On one purchase we were upfront from the start that we were paying cash but after we negotiated the final price the dealer told us the manufacturer was offering a $1,000 rebate off the dealer's final price for cars financed through their plan. They pointed out the deal only required keeping the loan for six months at which time we could pay it off with no prepayment penalty. Since the financing had a 0% promo rate for the first year, we took the loan, made payments for five months and paid off the balance at six months and saved an extra $1,000 at no cost. The dealer said the manufacturer was aware people could do this and bank free money and were fine with the dealer suggesting it to cash buyers.
I guess they were counting on some cash buyers deciding to keep the loan after six months. The dealer didn't care either way since they got a spiff for selling the loan and we got an extra $1K off. We carefully penciled out the numbers and there was no trick (my wife worked in finance). A few weeks later we got a $1,000 check direct from the manufacturer's finance arm and ended up paying nothing more than our out-the-door price (plus the inconvenience of writing five monthly payment checks). Essentially, our $1K was funded by the profit from people who kept the loan.
So, does is your AI handle this kind of situation?