Ah, I misunderstood. You mentioned a $6 CPL as seeming like 'too much' and in my experience it wouldn't be. I've seen targeted data request campaigns hit that with generic survey data gathered from completely unrelated businesses/industries.(Partially qualified warm transfers usually costing at least 4-5 times that) Especially when factoring in the ease of, and revenue gained from financing deals. After accounting for, what has to be, one of the lowest costs for re-possession out of any industry; I wouldn't be surprised if they made more money from loans that defaulted/sold to collections than anything else.