Yes how could a car dealer wait 4 years for payment? Imagine...

Yes how could a car dealer wait 4 years for payment? Imagine something goes wrong with be car in those years back to the dealer the customer goes, dealers don't want the headache, it's why they sell Finance, but the bigger issue, if they were to get the funds upfront who would fund it and what could they charge the dealer? remembering the lender has 4 years to collect, and all this on the assumption the borrower has a $10k $20k $40k $50k cc limit unused to buy on card