Sector-based ETFs tracking automotive and financing institutions might see rotation if used car finance deals soften further. Shareholders are closely monitoring dealership promotions and manufacturer-backed financing programs, which influence margins. Lower promotional intensity can shift earnings forecasts, creating small-cap stock opportunities for contrarian investors. 2) Price the financing, not just the car. On a $40,000 loan over 60 months at 9.43% , you’ll pay roughly $10,300 in interest. If a comparable rival offers 0% APR , a “smaller” October discount can still beat a bigger December cash deal once you add interest. Ask the F&I office to match your credit-union APR or show the 0% path. User experience: We considered whether a lender provides rates, terms and other information on its website and if it has a mobile app and an online chat feature. We also considered the availability of customer service representatives. The latest brokerage research suggests used car finance deals might stabilize if wholesale car prices ease. Publicly listed auto finance companies could benefit via higher loan volumes, lifting share prices modestly. Chart watchers are eyeing breakout potential in sector indices.