I bought a second hand car from a dealership for cash: the salesman said he was contractually obliged to discuss other “products “ basically six different types of warranty.I think that is because car dealers get commission from the loan providers.
The salesman get commission on PCP deals but it’s also a way for the customer to acquire a more expensive higher status car. I don’t remember so many beemers Audis and mercs around back in the day.

