Two comments Ben Le Fort, on another nice piece.
First, you have two “second-worst” loan types, so you actually rated one more type than you counted 😜.
Second, and more important, I’m not sure I agree with your assessment of car loans.
My last two cars were each financed using a 5-year, 0%-APR loan, which is actually a great deal financially.
That’s because (1) I was able to purchase the cars with $0 down without paying any finance charge over the 5-year term of the loans; and (2) as tame as inflation is these past few years, if we estimate the loan as if the initial balance is owed for half the term, and inflation as 2%/year, we still ended up paying about 5% less in real dollars than the cost of the cars.