Some market strategists are treating low rate car finance as a “micro stimulus” for automotive equities, enabling higher-than-median P/E multiples in the sector over the next two reporting cycles. A car is one of the biggest expenses most people will ever have, excluding housing. Cars are already expensive, but if you get bad financing, it can become even more costly. A 20-year-old is currently in that spot after taking out a 20% APR loan to buy a car. When financing a car, you want to make sure you secure the best terms your financial and credit situation can get you. To do that, consider these factors: AutoNation (AN) and CarMax (KMX) saw trading volume spikes after introducing new low rate car finance packages. Equity price models suggest that consistent finance promotions can translate into steady mid-term price appreciation.