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January 2018, F&I and Showroom - Feature

Auto Finance Registers Subprime Record in Q3 2017

By Melinda Zabritski

Third-quarter data from Experian Automotive shows that the auto finance market gained strength and stability, but mostly at the expense of subprime originations.

Tags: auto finance, delinquencies, Experian Automotive, Melinda Zabritski, Oustanding Auto Loan Balances

October 2017, F&I and Showroom - Feature

Subprime Pullback Continues in Q2

By Melinda Zabritski

The auto finance market is a trillion-dollar industry. It’s also very much a prime market, with subprime financing remaining at near-record lows in the second quarter.

Tags: auto finance, average finance amount, banks, captive finance, credit unions, delinquencies, finance companies, loan amounts

April 2017, F&I and Showroom - Feature

Stretched Thin

By Melinda Zabritski

The average household is on the verge of being priced out of the new-vehicle market, Experian’s fourth quarter data shows.

Tags: auto finance, Auto Loan Terms, delinquencies, Experian Automotive, interest rates

January 2017, F&I and Showroom - Feature

Balancing Act

By Melinda Zabritski

We hate to burst your bubble, but there is no bubble to burst. Auto finance expert breaks down the third-quarter results.

Tags: Bubble, credit unions, delinquencies, Financing, subprime

July 2015, F&I and Showroom - Feature

Nothing to Fear

By Melinda Zabritski

Delinquencies remained in check despite total outstanding auto loan balances rising to an all-time high, signaling a healthy automotive credit climate.

Tags: Auto Loan Terms, Auto Loans, delinquencies, Experian, Experian Automotive, First Quarter, Melinda Zabritski, subprime

April 2015, F&I and Showroom - Feature

Ready Steady

By Melinda Zabritski

Auto finance volumes were up in every risk tier in the fourth quarter 2014, suggesting that concerns over the uptick in subprime loans are exaggerated.

Tags: Auto Loans, delinquencies, Experian, Fourth Quarter, Melinda Zabritski, subprime

January 2015, F&I and Showroom - Feature

Traction Control

By Melinda Zabritski

A rise in delinquencies wasn’t cause for concern during the third quarter 2014, and all signs point to auto finance sources staying active in the quarters ahead.

Tags: delinquencies, Experian, Melinda Zabritski, Third Quarter

July 2014, F&I and Showroom - Feature

Market on the Move

By Melinda Zabritski

The auto finance industry broke new ground in several reporting categories in the first quarter. But not all records are meant to be broken.

Tags: Auto Leases, delinquencies, Experian, Experian Automotive, First Quarter, loan originations, Melinda Zabritski

April 2014, F&I and Showroom - Feature

Clouds Part for Auto Finance

By Melinda Zabritski

The unusually cold weather that impacted much of the economy didn’t slow down the auto finance industry, which reached new highs in several critical metrics.

Tags: Auto Loans, Credit Scores, delinquencies, economy, Experian Automotive, Melinda Zabritski, Third Quarter

October 2013, F&I and Showroom - Feature

Kicking into High Gear: Experian Quarterly Update

By Melinda Zabritski

Finance companies are buying deeper, and car buyers are rewarding them with timely payments. Credit expert breaks down the numbers for the second quarter.

Tags: auto finance, delinquencies, Experian, Financing, loans, Melinda Zabritski

January 2012, F&I and Showroom - Feature

All Lanes Open

By Melinda Zabritski

The auto finance industry is surging after a third quarter in which all lending segments increased their originations for the high-risk tiers.

Tags: Auto Loans, delinquencies, Experian, Finance, leasing, loan originations, Originations, special finance

October 2011, F&I and Showroom - Feature

2Q Analysis: Below-Prime Goes Prime Time

By Melinda Zabritski

In the second quarter, finance sources continued their drive down into the high-risk credit tiers and consumers continued to pay on time. But the magazine’s resident finance insider wonders how long those trends can continue in this month’s review of quarterly auto finance trends.

Tags: Credit, Credit Scores, deep subprime, delinquencies, Experian, nonprime, special finance, subprime

July 2011, F&I and Showroom - Feature

First Quarter Delivers Optimistic Outlook

By Melinda Zabritski

Delinquencies and dollar volume of at-risk loans continued to fall in the first quarter, and auto finance sources responded, with shares of loans to credit-challenged buyers increasing by 11.1 percent. Experian Automotive’s director of automotive credit provides a snapshot of other auto finance trends from the quarter.

Tags: delinquencies, Experian, Finance, Lender, loan approval

April 2011, F&I and Showroom - Feature

Fourth-Quarter Push

By Melinda Zabritski

The auto finance market continued to drive forward in the fourth quarter of 2010, but can it continue? Experian Automotive’s director of automotive credit runs through the numbers.

Tags: Credit Scores, delinquencies, Experian, nonprime, subprime

October 2010, F&I and Showroom - Feature

Hope in Sight for High-Risk Tiers

By Melinda Zabritski

Things are still challenging for below-prime customers, but the middle tiers are beginning to show signs of life, Experian Automotive reveals.

Tags: average term, Credit Scores, deep subprime, delinquencies, Finance, nonprime, prime financing, subprime, superprime

June 2010, F&I and Showroom - Feature

Lanes Open for Prime Tiers

By Melinda Zabritski

Sixty-day delinquencies are on the decline and credit quality continues to improve, but lenders still favored prime customers in the first quarter.

Tags: average term, Credit Scores, delinquencies, Experian, Finance, new-vehicle financing, Payment Plan, used-vehicle financing

April 2010, F&I and Showroom - Feature

Market on the Mend

By Melinda Zabritski

The auto finance market continued to stabilize in the fourth quarter, as the crash of 2008 continues to become a distant memory. New financing, however, will remain the domain of the prime and superprime tiers in the months to come.

Tags: average term, Credit Scores, delinquencies, Experian, Finance, new-vehicle financing, Payment Plan, used-vehicle financing

October 2009, F&I and Showroom - Feature

Delinquencies Keeping Auto Finance in Slow Lane

By Melinda Zabritski

The economic downturn has put more than $25.5 billion in auto loans at risk, but there were some signs of improvement. Experian Automotive’s director of automotive credit gives her take on what continues to be an unpredictable market.

Tags: average term, Credit Scores, delinquencies, Experian, Finance

August 2009, F&I and Showroom - Feature

2009 NAF Survey: Buyers Steered Toward Used

By Justina Ly

The NAF Association’s annual survey revealed the stress finance companies felt heading into 2009, but it also illustrated a firmer grasp of what was at stake. The question is whether this understanding will make financing widely available again.

Tags: average term, delinquencies, FICO, Finance, loan-to-value ratio, NAF Association, nonprime

July 2009, F&I and Showroom - Cover Story

Credit Codes Still a Mystery

By Melinda Zabritski

Not only are lenders staying away from anything subprime, they’re also pushing more consumers toward the used-vehicle market. And with more than $5.7 billion in loans reported 60 days delinquent, Experian Automotive predicts further market volatility.

Tags: average term, Credit Scores, deep subprime, delinquencies, Experian, Finance, new-vehicle financing, nonprime, prime financing, subprime, used-vehicle financing

April 2009, F&I and Showroom - Feature

Tracking the 2008 Credit Crisis

By Melinda Zabritski

By the end of 2008, more than $7 billion worth of automotive loans were 60 days delinquent. Experian market analyst tracks the single-most challenging year for auto finance and provides her take on the road ahead.

Tags: Auto Loans, average term, Credit Scores, delinquencies, Experian, Finance, Payment Plan

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