Turning Cash Buyers Into Good F&I Customers
John Vecchioni, national trainer for United Car Care, debunks the myth that cash buyers don’t make for good F&I customers. He also identifies the one product that can rescue your averages.
John Vecchioni, national trainer for United Car Care, debunks the myth that cash buyers don’t make for good F&I customers. He also identifies the one product that can rescue your averages.
Turning Cash Buyers Into Good F&I Customers
John Vecchioni, national trainer for United Car Care, debunks the myth that cash buyers don’t make for good F&I customers. He also identifies the one product that can rescue your averages.

Credit card down payments, multiple vehicle purchases and even straw purchases can be completed without committing bank fraud, as long as you tell the bank first.
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Cox Automotive’s index shows the subprime segment, long loan terms, negative-equity borrowers and down payment amounts all grew in February despite ever-higher vehicle prices.
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Auto loan originations rose over 6% year-over-year in the third quarter of 2025, but TransUnion predicts a slight decline in auto loan growth this year, making it an outlier in the company's overall lending forecast.
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Growing access shows greater lender appetite for risk as consumers take on heavier debt burden in an inflated market.
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More consumers, faced with ever-rising car prices, are adapting by agreeing to longer loan terms despite the cost of added interest payments.
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The reinsured biweekly payment program offers auto dealers with customer retention and reinsurance structure.
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December brought some of the best borrowing availability for consumers in years, though lenders tightened their reins on riskier segments of the market.
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Solving mismatched payment quotes can boost sales, profits
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Data reflect growing finance activity on the extreme ends of credit risk scale
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