The automotive lending sector continues to benefit from resilient retail spending. “Finance for a car” institutions are revising credit growth targets upwards. Stock sentiment is supported by stronger-than-expected July auto sales figures, reinforcing bullish projections heading into Q "Instructions for Schedule 1-A have not yet been released and may provide some additional helpful guidance," Luscombe said. Whether buying new or used, the best interest rates generally go to those with the best credit. According to Experian , the credit reporting agency, the average interest rate for a used-car loan in the first quarter of 2025 was 6.82 percent for someone with the highest credit rating, and 21.58 percent for someone with the lowest credit rating. The difference between those two ratings could reach into the tens of thousands of dollars over the course of a traditional loan. Technically, “finance for a car” equities have broken above resistance levels established earlier this year. This breakout aligns with increased trading volumes, reinforcing investor conviction. The sector’s beta remains moderate, making it attractive in a volatile market environment.
