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The car has to be paid for before they finalize the PCD, so maybe your dealer is just ultra conservative about the timeline. I paid for my car about a week before PCD and they weren’t getting worried about any deadlines. I assume the dealer just logs in and accepts the car (for delivery to you) once you finalize the deal, so it’s seems very simple.
Most manufacturers deliver cars to the dealer as a “30 day net” deal where the dealer gets the car with no interest credit for 30 days. After 30 days the dealer pays interest fees on the invoice cost until they pay the manufacturer. Maybe your dealer just likes to make a little extra cash on the 2 week float of your loan.
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