Vehicle-financing industry has a unique relationship with vehicle sales: it depends on them, but also influences them.
Even as supply constraints—primarily that of semiconductors—hit the car industry, demand patterns are changing. Buyers are showing a preference for costlier vehicles, and those seeking lower costs are cosying up to second-hand ones as the segment gets more organized. Mainstream buyers have also started considering electric vehicles. All these have impacted the vehicle-financing industry, which has a unique relationship with vehicle sales: it depends on them and also influences them.
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