Auto loans are short-cycle and dealership-dominated, but every banker hits cases where the dealer's tied-up bank rejected the application or the customer is unhappy with terms offered. Those customers end up here. The marketplace is heavy on Tier-1 / Tier-2 metros where two-wheeler and entry-sedan volume is highest, with deal sizes from ₹50K (two-wheelers) to ₹50L+ (luxury and EV). Used-car finance specifically has more open opportunity since OEM-tied banks rarely chase it. Every lead has the customer's segment and the vehicle class tagged.