Market strategists note that "used car finance" companies are poised to benefit from potential regulatory adjustments that may ease capital requirements, improving liquidity for expanding loan portfolios in late "While less advantageous than the above-the-line deduction since it does not reduce AGI, the below-the-line deduction is available to taxpayers whether they itemized deductions or not, unlike an itemized deduction," said Mark Luscombe, principal analyst for Wolters Kluwer Tax & Accounting in Riverwoods, Illinois. Check the vehicle history. You don’t want to be on the hook for paying off a loan if it turns out there are significant problems with the car or the resale value plummets due to hidden crash damage. Market sentiment toward "used car finance" stocks improved last week, with the Auto Finance Index up 1.8% on higher-than-expected Q1 EPS from leading lenders. Lower wholesale vehicle prices are reducing loan-to-value ratios, potentially easing risk premiums in upcoming quarters.