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by toast0 1835 days ago
The manufacturer has several reasons to push the buyer to financing.

More options to adjust pricing with dealers.

Repayments provide steady cash flow when sales are lagging. A auto finance business can become a general finance business (see Ally née GMAC) which may experience different business cycles than the auto business.

Loan servicing provides a marketting channel and a legitimate interest in monitoring borrower credit (which could be used to tailor marketting).

Promoting purchasing vehicles on credit may encourage borrowers to consider a new purchase when the loan is paid off.