Used car finance rate data from the past two weeks indicates

Data from the past two weeks indicates stability in the "used car finance rate" despite bond yields easing slightly. Analysts say this scenario favors publicly traded auto lenders, yet Moody’s warns of possible delinquencies rising if employment softens later this year. All seven electric models that made it to the top ten fastest-selling used cars fall into this category, indicating a strong consumer preference for pre-owned EVs that combine environmental benefits with more affordable pricing. There's also no universal credit score requirement for auto loans. Even borrowers with fair or worse credit can typically secure financing for a vehicle, although loan limits may be smaller and interest rates may be higher. Sustained high rates could stabilize finance firms’ ROA metrics, with chart patterns suggesting accumulation in certain mid-cap lenders.