Twenty years ago, buying a car was a gnarly multistep process: shop for the car, haggle painfully, then plead for the financing, which meant a separate loan application, arrogant loan officers, aloof and often invisible loan committees and endless waiting. All of which created anxious and angry customers. Buying a car was a nightmare.
Now, the process is one step in one hour: shop online, come prepared, buy and finance together. Sixty minutes, no loan committee, centralized paperwork, get it done, get it over with and drive it away now.