Under a conditional lease or sale agreement, the customer acquires ownership of the vehicle only when the conditions of the contract are met – reimbursement of all outstanding credits and costs due. This possibility is usually offered at the point of sale. The dealer supplies the vehicle to the customer, but it is financed by the creditor/lender (see Financial Structures module). Credit sales agreements may be regulated, exempted or unregulated under consumer credit regulation. It depends on the nature of the customer and the amount borrowed. The finance company makes available to the customer the financing to make a particular purchase. Goods should not be cheaper in this way. The total price of the item may be higher to compensate for the item without interest. .