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I beg to differ, having been in the business for 30 years I know different. Reserves are paid by finance sources, yes. They vary depending on many factors including rate, amount financed and the bank. Example, the 0% you see offered by many captive manufacturers source pays zero to the dealer. It is a very competitive market, shop the finance rate just like you would the price of the car. Currently banks are offering 3.99 to 5.99%. if you get the lowest rate (shop around) the dealer will make 1% , 50,000.00 vehicle = 500.00 reserve for the dealer.