With the real estate market and interest rates on credit cards being what they are, it is no wonder that there are problems with the auto loan industry. The interest rates that are affecting everything else, are also affecting car loans, and the people who buy cars. People are looking for deals, for 0% interest, and these are the deals that are not as prolific as they once were.However, some people say there is good to come of all this economic despair  and one of the people is Joseph Ficalora, New York Community Bancorp Chief. He says that all of the negative numbers that they have been seeing will quite simply end up being an unprecedented buying opportunity and he is sure that he is not the only one looking forward to that. He says that for most people this upcoming time is an opportunity to make some very good acquisitions, and people should be prepared to take advantage of that. He said banks are having a harder and harder time with people defaulting on home and auto loans, and that sub-prime lenders have seen their stocks falling over the past few weeks.He also said that it will be a huge opportunity for larger banks to swallow up smaller ones as they start folding. The bigger banks can withstand the larger losses, but for smaller banks it is just too hard for them to compete at this time.