Is this all about the old monthly payments?
This seems to be the business plan of most things now.
Get the money up front for services ( not just car related,all services and business)
The words plan ,budget, and easy payment,all spring to mind.
To me, this is just a way of getting paid for something that may,or may not,be fulfilled at some future point.
I prefer to get something done, and then pay for it in full, there and then.
Who knows what the future holds?
I realise that I this is an old way of thinking, and that I may well be out of touch with modern practice, but I prefer to control what I pay when it happens.
Of course,we are all different, and monthly plans suit some people better.
But I was taught that if you can't afford it,go without and save up until you can.
Having said that, I freely admit to having a mortgage, and a HP loan for a car in the past .