Diversification in funding drives originations
Diversification across public and private funding sources is key to driving origination growth for auto lenders as the cost of funds fluctuates and investors look to put an abundance of capital to wor...
17 Mar 20253min
Weekly Wrap discussion on tariffs, gen AI use
Tariff uncertainty continues to disrupt the auto industry; companies increasingly rely on AI for innovation and efficiency. The auto industry has prepared for an "adjustment period" as 25% tariffs on ...
10 Mar 20257min
Industry eyes stabilized DQs, mixed pricing dynamics
The first half of 2025 is expected to bring stabilizing delinquencies, increased demand for automotive refinance and mixed vehicle price and sales dynamics. Auto loan delinquencies are projected to co...
3 Mar 20258min
Exponential Markets' Fortin on 'volatile' EV pricing
Used EV values have fluctuated amid uncertainty over tax credits and potential tariffs. “For the used EV market, if you want to describe it in one word right now, it's ‘volatile,’” Paul Fortin, co-fou...
24 Feb 202519min
CFPB halted, Q4 earnings continue
The Department of Government Efficiency, run by Elon Musk, effectively shut down the Consumer Financial Protection Bureau over the weekend, adding to uncertainty regarding operations after CFPB Direct...
10 Feb 20258min
Auto industry eyes tariffs, credit performance
Auto lenders are keeping an eye on loan production, credit performance and vehicle prices as tariffs loom. Subprime lender Credit Acceptance Corp.’s originations ticked up 0.3% year over year in the f...
3 Feb 20257min
Weekly Wrap discussion on the 2025 auto finance landscape
Captive lenders will remain aggressive in the auto space this year after tapping back into auto loans at the close of 2024, when delinquencies cooled. “Delinquency rates for captives have come down an...
27 Jan 202516min
Wildfires spark deferral offers; funding off to strong 2025
Wildfires impacting large areas of California are contributing to higher auto insurance costs in the state and more deferral offerings from lenders for affected borrowers. The annual cost of full-cov...
13 Jan 20259min
