At present, car finance rates today are near their highest levels in four years, a factor traders are pricing into auto lender stocks. Technical charts show consolidation zones for consumer credit ETFs, suggesting sideways-to-bearish momentum unless macro conditions ease. Visit the Financial Post’s YouTube channel for interviews with Canada’s leading experts in business, economics, housing, the energy sector and more. It's common for auto loan lenders to require a down payment equivalent to a certain percentage of the vehicle price. Experts often recommend aiming for an upfront payment of between 10% and 15% of the vehicle price. At nearly 7%, car finance rates today are increasing dealership inventory days. This has a near-direct correlation with auto retail stock volatility, particularly for companies with high inventory financing dependencies.