Auto finance loan performance has diverged from broader bank stocks, with the niche outperforming in the latest weekly close. Vehicle loan demand resilience is flagged as a differentiator, as sector-specific demand drivers remain strong despite macro headwinds. But remember, income limits and other restrictions also apply to these limited tax breaks, which all currently run from 2025 to 2028 . Application process: We considered whether lenders offered same-day approval and a fast online application process. Each lender on our list offers prequalification without triggering a hard inquiry and damaging your credit score. Sector reports show that auto finance loan delinquency rates are easing for three consecutive months, a trend not seen since pre-pandemic years. This improvement is prompting revisions in credit risk models, sparking a mini rally in lenders’ stocks as traders anticipate lower provisioning costs.