Wells Fargo is building more branches devoted to car loans and financing for auto dealers in an effort to increase its auto lending business without taking bad credit risk, the bank’s head of car lending told Reuters. Making smart credit decisions is critical now as the auto lending business heats up. U.S. consumers have $1 trillion of automobile loans outstanding, up from about $700 billion in the first quarter of 2010, according to data from the New York Federal Reserve.