What’s The Real Story?

Car finance has long been a pain point. Complex paperwork, opaque terms, and lengthy approvals have frustrated buyers for decades. The old assumption was that younger buyers disliked debt, while older ones embraced finance. But our research shows this misses the real issue: nobody likes complexity.

Digital Dealer research reveals that transparent, digitised financing is now a universal expectation. From Boomers to Gen Z, the demand is for simplicity. Shoppers want shorter forms, instant approvals, and pre-configured finance options they can explore online before setting foot in a showroom.

Our Experiences

At Ebbon Intelligence, we’ve spoken with buyers across age groups, and the story is consistent. Everyone is tired of jargon-filled finance conversations. Everyone values clarity. And everyone is more likely to choose a dealership that offers digital-first finance solutions.

This shift matters because it reframes what dealerships need to prioritise. It’s not about designing finance experiences for “young digital natives”, it’s about designing them for humans. Customers who are time-poor, choice-fatigued, and impatient with unnecessary hurdles.

As Simon West-Oliver, our CCO, says: solving the financing bottleneck isn’t a generational advantage, it’s a universal need.

Dealers and lenders who simplify, digitise, and de-jargonise will win across the board. Because at the end of the day, transparency builds trust, and trust drives sales.