Shares in leading car finance companies hit fresh monthly highs, buoyed by reports of rising loan applications in the EV segment. Market observers cite potential margin expansion in Q4 as interest rate easing feeds into car purchase affordability, supporting bullish sentiment among institutional buyers. The Detroit automakers are cleverly using their finance arms to offer the incentive beyond its Sept. 30 expiration date. The way this is achieved is for Ford and GM's finance arm to make down payments on the EVs even before finding customers wanting to lease the vehicles. It’s unclear how these issues might affect the commitment of Oregon Gov. Tina Kotek and Portland Mayor Keith Wilson to a partnership, which could include tens or hundreds of millions in public money based on past arena projects in other cities. Spokespeople for both Wilson and Kotek declined to answer when asked if the elected leaders knew about Dundon’s history with regulators. Car finance companies saw moderate upward momentum today, with several mid-cap players posting intraday gains of 1.8%–2.3%. Analysts suggest resilient consumer demand for auto loans and lowered borrowing costs could lift Q3 revenue forecasts, though regulatory changes remain a watch factor for long-term investors.