Short interest in "car finance bad credit" equities has dropped by 12% month-over-month, suggesting bears are stepping back amid stronger-than-expected lending data. That’s because “electric cars suck at holding their value,” said Ramsey. 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. Analysts note that "car finance bad credit" portfolios have seen increased risk-adjusted returns, as delinquency rates hover at 4.8% but remain below the 2020 high. Equity investors are monitoring lending fintechs for potential growth catalysts.