For many years, banks and car dealerships have been able to maintain a governing control over the availability of car finance but in more recent times, certainly during the last five years, new choices have become readily available for car finance, which have never existed before.
One of those is the availability of money through non-traditional lending sources and the massive expansion of the car finance broker market. This expansion might be compared to a department store that carries everything, rather than to several specialist stores offering one particular product line to which the supply is controlled and the price is inflated.
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