None of us know anyone who would look back on their first car purchase and say, "Ah, I miss the good old days of buying and financing a car?"

Even baby boomers and Generation Xers recall their first car financing deal with groans more normally associated with root canals. Millennials in particular, with their one second click-to-load screen tolerance, have zero patience for that kind of old school process pain.

Having already blown up the traditional car buying experience with…