11.   A Fed rate cut would also benefit consumers by driving costs of mortgages, auto loans and other borrowings lower.

12.   Borrowers are refinancing not just mortgages, but all kinds of debt, from home equity to credit cards to auto loans.

13.   Borrowing by U.S. consumers accelerated at the fasted pace in July, led by credit card charges and auto loans, Federal Reserve figures showed today.

14.   Both General Motors Corp. and Ford Motor Co. offer auto loans in Poland.

15.   But it is somewhat misleading to quote an average rate for auto loans.

16.   Chase Manhattan Bank and IBM will soon offer auto loans over the Internet.

17.   Commercial banks have increasingly been willing to offer competitive rates on auto loans as a way to develop financial relationships with affluent borrowers, the customers the banks prefer.

18.   Companies with commercial banking operations, like Citigroup, salivate over the prospect of providing auto loans and other services.

19.   Credit card borrowing barely rose in May, while auto loans posted their largest decline in more than four years, according to the Fed.

20.   Credit card charges and auto loans led the advance.