Lithia Motors is an automotive retailer. Co. has two segments: Vehicle Operations and Financing Operations. The Vehicle Operations segment includes Co.'s retail automotive, recreational vehicles, and motorcycle franchises that sell new vehicles, used vehicles, parts, repair and maintenance services, and vehicle finance and insurance products. The Financing Operations provides loans and leases to consumers across the credit spectrum for both new and used vehicles through two entities, Driveway Finance Corporation and Pfaff Leasing. DFC is a captive lender, originating loans only from stores. Pfaff Leasing originates loans and leases from Co.'s Canadian stores and third-party dealerships.