Such a shift could spark short-term rallies in auto retail and finance-linked ETFs. Juggling credit cards or other debt (like BNPL loans) to pay for necessities (food, housing, utilities) or other debts (e.g., auto loan) What is a simple interest auto loan, and how does it work? Economists tracking auto finance rate shifts expect cautious optimism in equity markets, especially in sectors where credit access directly supports product turnover.