One of the negative aspects of the whole subprime mortgage credit crunch is the negative effects it will have on other sectors of the economy, specifically the ability to get loans for things like cars, boats, and second homes. That's why I advise everyone interested in buying a car now to get out that new car loan calculator before they even consider getting a new car dealer invoice price quote. It's important to know what the car loan rates will end up being once the dust settles in the financial industry. So whether you're looking a buying a good used car or a brand new set of wheels with a new car extended warranty, get out that new car loan calculator. For the next few years, interest rates are going nowhere but up!