First and foremost, let's talk about what is lending and it's the act or process of getting any kind of aid whether it's financial or otherwise from someone or somewhere. Now, looking at indirect lending would tell you that there is also a direct lending.
Indirect lending involves a situation whereby one gets financial assistance from a party that he or she is involved with directly. It may be one's bank, friends, family and relatives while indirect lending is when the financial aid comes from a party one isn't in any direct relationship with. It's actually more risky and expensive to get financial assistance from indirect third parties.
So, if I'm to offer you any financial advice, I would encourage you not to go for indirect lending but opt for direct lending for your car project.