The Web is ideally suited for selling consumer-finance products.
Loans are complicated, paperwork-intensive, and difficult to compare.
Selling them on the Web seems like an easy way to make the process easier, faster, and more pleasant for everyone involved. Given my experience, they may never be. You take the check with you to the dealership, and when you buy a car they fill in the exact purchase price and cash the check. Unfortunately, there's a catch. That requirement almost unhinged the whole deal.