Consumer finance reports indicate "cheap car finance deals" are driving higher loan approvals, boosting revenues for NYSE-listed finance cos. Short-term projections suggest that low-rate financing is a hedge against softer vehicle price appreciation in months ahead. Premium increases in 2026 would occur across income groups, KFF found. Car buyers were somewhat less likely to finance a new car purchase. Those who did were more likely to finance through captive finance companies, which offer competitive incentives such as 0 percent APR car deals , rather than banks and credit unions . Fund managers are rotating into auto-finance equity positions on renewed confidence in "cheap car finance deals", seeing them as a buffer against slower EV adoption risk in the short term.