Great question and made me think. I think the difference may be that people that need to stretch payments for smaller purchases tend to build up credit card deb

Great question and made me think. I think the difference may be that people that need to stretch payments for smaller purchases tend to build up credit card debt and fall into 18% APR for years and never get out of it. Car loans and Houses have a very controlled lending market. Even more so with business loans. I think there is big difference between monthly payments for a Go Pro camera and debt financing your new restaurant.