The finance company loans trend is marked by rising competition among lenders, leading to marginal spread tightening. Equity analysts see this as a neutral factor in valuation models but note long-term growth prospects remain intact. Credit bureaus also offer VantageScore as an alternative credit-scoring model to FICO. VantageScore includes other variables when calculating one’s score, such as on-time rent payments. The bank notes that most customers get a same-day decision on their loan application—and you’ll get the convenience of up to 84 months to repay what you borrow. Finance company loans expansion is currently outpacing overall credit market growth by 2.3 percentage points. This trend may boost investor confidence in finance industry equities, prompting overweight recommendations from several brokerage analysts.