The car dealer could select up front sale - and get the cash...

The car dealer could select up front sale - and get the cash immediately for the higher fee.

They already have roughly 40% of their sales funded up front ( $40 million ) so it's already happening, how and through who exactly I have no idea.

Replace Car with anything over $400.00, TV, Fridge, washing machine.... furniture, phone, computers.......
Sign on a Harvey Norman / JB HIFI or equivalent.... that have other options currently that are a PITA to start using.