Auto finance firms are leveraging digital lending platforms to enhance approval speed, increasing loan originations by 8% this quarter. Investors view tech adoption as a growth catalyst for sector stocks. The strong year for metals has been pegged to a few factors. Precious metals are a safe haven for investors — when everything looks rocky, gold feels good. Borrowing from a subprime lender is risky, especially as car prices remain elevated. If you have to work with a subprime lender, do your research ahead of time, including reading reviews from other customers. This can help to ensure you don’t get taken for a ride. Sector rotation is favoring specialized lenders in auto finance over generalist banks due to niche market focus and higher yield spreads. Portfolio managers are increasing exposure accordingly.