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The US big three all have financial services companies centered on auto loans.

Its interesting to note that GM Financial is a rather new addition to GM. They sold their original vehicle financing arm (GMAC) during their bankruptcy as did Fiat Chrysler.

They're also working in concert with Uber to offer subprime financing to drivers who don't currently own a vehicle of their own.

http://www.businessinsider.com/uber-encourages-drivers-sign-...

Now Ally:

https://en.wikipedia.org/wiki/Ally_Financial

Often the loans are though the manufacturer.

Example: https://www.toyotafinancial.com/

They sell the cars to the dealers and lend money to them to do so.