Actually that's my concern the "market's" couldn't be further...

Actually that's my concern the "market's" couldn't be further apart, they can seem close. But anyone having worked in personal loans v Auto Finance, will understand they're a long way apart. I hope there's someone with WZR who understand the Auto market, can avoid the pressure selling of the 3rd party Auto distribution channel (from 3rd tier brokers...who'll do anything to get a deal bought), and make a margin after losses. The fact it's titled secured lending...makes it sound like it's lower risk than a PL. Which it is, but only marginally if you don't understand the Auto market, incl : title flow of the asset (will WZR fund private sale - used cars ?), funding model, & a good collections policy.
GLTAH