The relationship between auto finance rate trends and automotive OEM stock valuations is tightening. Recent rate moderation could provide margin relief as financing promotions regain traction. Kilgore suggested some warning signs to watch for that you may be getting in over your head, such as: Your credit score impacts whether you qualify for the best advertised auto loan rates. If you have a low credit score, you’re more likely to have a high rate. Investor focus on auto finance rate patterns is intensifying as the sector’s margins hinge on rate spreads. Banks with competitive financing could outperform in Q2 earnings.