“We’ve split the full payment of the car into three. Normally, you have a massive downpayment of around 20% and then your monthly installments with no way to get out of that commitment. Our starting fee is around 5% and you have the option to cancel your plan at any time without any penalty.”

https://techcrunch.com/2022/10/31/invygo-raises-10m-to-make-long-term-car-subscription-a-breeze/