A strong performance by its members and dealers over the past 12 months has taken point of sale showroom finance to a four-year high, says the FLA.
In July it topped the halfway mark at 50.7% and has now eased up slightly to 50.9%.
Dealer finance for retail new-car purchases grew 5% by value and 6% by volume over the past year.
This was despite the sharp fall in private purchase revealed by SMMT data.
FLA members and dealer customers are now seeing the rewards from a POS campaign which was launched last year.
This has enabled retail showroom staff to receive free online training in finance sales from the FLA.
Specialist automotive lenders say that now wholesale lending is tighter, they have an advantage over high-street and direct rivals that have won much of their business.