Problem: I wish rates were honestly the same like they were in 2018 for auto loans. Because of their variable depreciation, cars are typically not thought of as wise investments. After five years, depreciation usually slows down, and the car has probably lost half of its value by then. After around ten years, the car's value will usually reach its lowest point. In regards to TVM, the value of the vehicle will not be the same it was when you first purchased it, therefore you lose profit. Yes some vehicles depreciate less, like Toyota or Honda family, but it is still not considered to be the best investment opportunity.