71.   Interest rates on credit cards, mortgages and car loans have doubled for some people.

72.   Inverlat, which is being managed by Toronto-based Bank of Nova Scotia, hopes to change that with the car loans.

73.   It profited by selling used car loans to people with bad credit, blazing the trail for other competitors.

74.   Leases are more palatable to many consumers because they typically require no downpayment and monthly payments are lower than those for a car loan.

75.   Lenders and dealers say consumers who know their creditworthiness and the rates available from other sources can negotiate an excellent dealer-arranged car loan.

76.   Leasing can be very attractive, especially when you compare the monthly lease payments to what you may pay on a car loan.

77.   Many consumers buy credit life insurance to retire mortgages, car loans and, increasingly, credit card debt, if they die.

78.   Lower rates make car loans cheaper and tend to increase vehicle sales, which is good for the Michigan economy.

79.   Market interest rates jumped since November, raising the cost of borrowing for everything from mortgages to car loans, he said.

80.   Market interest rates jumped since November, raising the cost of borrowing for everything from mortgages to car loans.