this is very bad --> so there was some nexus between dealer and bank due to which the loan was disbursed. I think an invoice on your name from the dealer and your go ahead is enough for the loan disbursal. Was your loan agent affiliated with the dealer ship? For my previous booking, the dealer was pestering me for contact details of the loan agent. I did suspect that they would do something like this. Since it is month end, both dealer and agent want to meet their target. Learning from thus is that try to keep the loan and the dealer away from each other as much ad possible Why did you opt for a floating rate of interest?