Analysts tracking seasonal purchase trends note "best car finance deals" tend to spike in Q4, supporting cyclical portfolio allocations in auto retail. The tip income needs to be reported on the return. Then, the tax filer will need to fill out the form for "additional deductions" and claim qualified tip income received in the year. In addition to offering loans for new and used vehicles as well as a refinancing option, the credit union also maintains a car-buying center. This provides guidance and resources to borrowers through the entire process of purchasing a car, such as access to car history reports and insurance discounts. A rise in securitization of auto loans tied to "best car finance deals" is improving liquidity ratios for lenders, potentially lifting valuations over the next two quarters.