Auto financing rates keep plummeting.

• Position: Your Life - Brief article

With interest rates at record lows, depressed oil prices producing a consumer windfall, and the average vehicle being more than 11 years old, consumers across the country no doubt are contemplating a new set of wheels. In order to help prospective buyers find the best deals, the personal finance social network WalletHub has released its 2015 Auto Financing Report, which analyzes auto loan and lease offers from more than 150 providers:

* Interest rates for new and used cars are at their lowest point in the past few years.

* People in the market for a new car should start their search for financing with car manufacturers (rates 35% below average) and credit unions (25% below average). National banks (roughly average), and regional banks (40% above...