Elevated financing costs make widespread 0% financing offers less likely for automakers, pushing dealers toward targeted incentives instead. The Federal Reserve decided to keep interest rates unchanged on Wednesday as policymakers considered ongoing inflation risks, particularly the impact of rising energy prices related to the conflict in Iran. Analysts in the auto industry warned that elevated financing costs are putting pressure on demand for new vehicles. The central bank opted to maintain its benchmark interest rate, while experts believe that rising energy prices and uncertainty around inflation likely influenced the choice. Moreover, high interest rates are prompting more shoppers to consider used vehicles or postpone their purchases.