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I'd read some inklings of this awhile ago, but this is a great summary of what's going on. I know I was surprised at how easy the whole process was when I bought my car (a 2015 model year purchased in December 2014): they asked for my income (but didn't verify), ran my credit score, and boom. $0 down, 0% interest for the six-year term of the loan. I wonder to what extent it's an issue of incentives? The salesman basically acknowledged that the dealer breaks even at best on the car sale itself, and relies on maintenance for their money. But more than that, my loan isn't through the dealer. I wonder at what point they have a disincentive to look to close at someone's ability to repay as a result?