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The United States From Wondery, I'm David Brown, and this is Business Wars Daily on this Wednesday, April 12th.

If you've ever bought a vehicle from a car dealership, there's a good chance that you got your car loan or lease financing there too. Nearly two-thirds of people who buy their cars at

dealerships work with the in-house finance team to pay for their purchases, according to Experian.

About half of those loans and leases typically come from so-called captive finance companies.

No, that doesn't mean that the finance folks in the dealership's backroom can't leave.

It means that the loans and leases are issued by a subsidiary of the corporate brand, one that provides financial services.

These subsidiaries stick to making loans for their own company's vehicles instead of

every car on the market. But make no mistake, even a sliver of the market is big business. In fact,

the captive finance market is so lucrative that Stalantis, the parent company of Chrysler and Jeep,

forked over nearly $300 million a couple of years ago to

create its financial subsidiary. In addition to loans and leases for customers, Stalantis Financial

...