[pdabbadabba]

But how does this actually happen? Who puts the tracker on there and when?

Sure, if you finance through the dealership, then dealership personnel could stick it in there before you drive away, I guess. It plenty of people finance through third parties. Surely Wells Fargo, for example, doesn’t send an agent down to stick a tracker in your car while you’re sleeping or at work…

[sidewndr46]

The dealership has an employee who installs it, usually when the vehicle is undergoing what manufacturers call "pre purchase inspection".