Manufacturer finance is a phased model of 4s stores. Basically, conventional model manufacturers are not interested in finance, mostly in 18, 24 and 36. The loan only needs to repay your principal, and there is no interest at all. Many manufacturers give you a discount to buy a car in installments, because they can earn service fees in installments. Automobile loans can use manufacturer's finance, after all, there is no interest, even if there is interest, it is very low.