Consumers expect to be able to contact their loan or lease provider easily. They expect a courteous, knowledgeable and responsive service representative who understands their needs. They want their questions answered and they don't want to spend a lot of time on the phone.

offer competitive interest rates and they're very convenient for many consumers who can shop for an auto loan without leaving their homes.

Things have definitely changed a lot on this in a hurry. Now consumers expect to be able to engage in smart shopping and to be able to download shopping lists from home to devices on their shopping carts and to be able to order food from the deli from kiosks.

We were able to get out of our lease early in Dublin, and we can't wait to get here.

Value has become more important over time due to a combination of factors such as incentives, lease rates and consumer perception of the finance and insurance manager or loan officer. These factors, together with rising consumer expectations, have put increasing pressure on auto finance companies to provide excellent service to their customers.

It's something that consumers expect,