Oban owns a pre-owned car lot in Lansing, Michigan. Most of Oban’s customers cannot afford to pay cash for their purchases; in fact, many cannot even afford to make a down payment. Oban’s message to his customers is always “no money, no problem,” since he offers zero down payment, “buy here, pay here” financing for his vehicles. Based on the information emphasized in this scenario, which of the following types of utility does Oban’s car lot create?