If someone is 680 credit or more the financial institution does not require proof income as a stipulation on the loan approval. The dealership will pull credit, look at the debt and then if the income stated on the credit app will cause the debt to income ratio to be over 50 percent, but the buyer has over 680 credit the dealership will increase the customer's income before submitting to the bank.

Lots of of shady things go on in the finance office.

Truth in lending and reg z compliance are problems at most dealerships.