Pay a deposit, not a deposit. . Yes, paying thousands of dollars for the 4s store to book a car back to the store and go through the mortgage formalities for you means that the bank checks your credit information and examines your qualifications. After the vehicle arrives, you go to the 4s shop to check the car and pay the down payment. After the down payment is made, the sales department will go through the remaining formalities, sort out the loan information and submit it to the bank, which will approve the loan. . Then you can pick up the car. hope this helps