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PODCAST

The Auto Finance Roadmap

Auto Finance News

Auto Finance News is pleased to present The Roadmap, the podcast on best practices and trending topics in automotive lending and leasing. If you are in auto finance, this is your podcast. Auto Finance News, published by Royal Media, is the flagship publication for the auto finance industry. Published since 1996, Auto Finance News is the nation’s leading source for news, insights and analysis on automotive lending and leasing. Auto Finance News offers a Premium subscription service, which includes

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All Episodes

6:53

Auto lenders, dealers look to tax season for boost

The Auto Finance Roadmap ·

2026/01/05

Auto dealers are expecting a strong tax season to spur a sales jolt early this year, but lenders and dealers are split on their full-year outlook amid rising vehicle prices and macroeconomic challenges facing consumers. Other factors that market participants are monitoring include how fluctuating interest rates and unemployment will affect consumer affordability and car sales. In fact, December 2025 sales were projected to fall 3.5% year over year to 1.4 million, according to Cox

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8:18

Affordability, repos, credit performance top...

The Auto Finance Roadmap ·

2025/12/22

An uptick in repossessions, continued affordability challenges and weakened credit performance are top of mind for lenders headed into 2026. The shutdown of several lenders this year combined with inflationary pressures is likely to contribute to more repossessions at the end of 2025 and in early 2026. By Dec. 31, repossession assignments nationally are projected to surpass 10.5 million units for the year, according to American Recovery Association data. At the same time, credit

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8:25

Dealers grapple with new registration requirements,...

The Auto Finance Roadmap ·

2025/12/15

New identification requirements for vehicle registrations in Texas have prompted concerns from dealers and lenders about a potential increase in unregistered or uninsured cars on the road. The Texas Department of Motor Vehicles in a Nov. 19 bulletin clarified that documentation required to register vehicles or renew registrations cannot include expired IDs and that passports issued by a foreign country must include documentation proving lawful admission to the U.S. The changes could hamper

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8:16

EV sales slow in November, used-vehicle values flat

The Auto Finance Roadmap ·

2025/12/08

Electric vehicle sales declined at most major manufacturers in November on the heels of an uptick in EV share of total new-car sales in the third quarter, due in large part to a pull-ahead of purchases before the federal EV tax credit expired. Automakers including American Honda, Ford Motor, Hyundai, Subaru and Toyota reported double-digit year over year declines in EV sales during the month, while overall sales were mixed. EV sales slowed in November but in Q3 benefited from consumers

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8:40

Tricolor’s 10K vehicles could be sold by March

The Auto Finance Roadmap ·

2025/12/01

Bankrupt subprime retailer Tricolor’s 10,000 remaining vehicles may be sold by March 2026 if trustee Anne Burns’ motion is approved.Tricolor backup servicer Vervent and vehicle management company Holman will sell all remaining vehicles, if the motion is approved by Judge Michelle Larson. This includes vehicles that may belong to Tricolor’s creditors, through third-party auctioneers, according to court documents.The proposal came ahead of former Tricolor Chief Executive Daniel Chu’s motion

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7:53

Flagship sold to investment firm, Prestige halts...

The Auto Finance Roadmap ·

2025/11/24

Last week brought more shakeups in the auto finance industry as lender Flagship Credit Acceptance announced it was finalizing a sale of the company to an investment firm, while Prestige Financial Services stopped originations. Chadds Ford, Pa.-based Flagship announced on Nov. 21 that it had entered into an agreement to sell the business to New York-based InterVest and would be rebranded to Flagship Financial Group, according to a company release. Once the transaction is closed, Jim Landy

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8:52

Future of CFPB funding questioned

The Auto Finance Roadmap ·

2025/11/17

The compliance industry continues to face headwinds as funding for the Consumer Financial Protection Bureau is in jeopardy after the Department of Justice recently ruled that the bureau cannot request money from the Federal Reserve. The DOJ’s Nov. 7 ruling states that the “combine earnings of the Federal Reserve system” — laid out by the Dodd-Frank Act as the source of most of the CFPB’s funding — refers to Fed profits. The Fed was last profitable in 2022. It is unclear if the CFPB will

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3:56

CarMax replaces CEO, EV makers report Q3 growth as...

The Auto Finance Roadmap ·

2025/11/10

Auto retailers and fintechs mostly reported growth in the third quarter amid mixed October retail sales, flat vehicle values and some layoffs. CarMax named David McCreight as its interim president and CEO, replacing Bill Nash, effective Dec. 1. Nash is not retiring, and the shakeup comes as the Richmond, Va.-based retailer’s comparable store used-vehicle retail sales are expected to drop between 8% and 12% year over year in the third quarter of its fiscal 2026, according to CarMax’s Nov. 6

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4:24

Lenders eye affordability, subprime finance as credit...

The Auto Finance Roadmap ·

2025/11/04

Auto lenders are homing in on key areas of underwriting to manage risk and grow in 2026 as the subprime market continues to face challenges with credit performance and affordability.Improved loan decisioning, declining interest rates, the use of data and analytics, and responsible growth are top of mind for auto lenders into next year, leaders said at the recent Auto Finance Summit 2025.The Federal Reserve cut its benchmark interest rate by another 25 basis points (bps) on Oct. 29,

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12:52

Tricolor bankruptcy prompts calls for transparency,...

The Auto Finance Roadmap ·

2025/10/27

Investors are seeking more transparency following Tricolor’s Chapter 7 bankruptcy filing last month, which has also prompted several auto lenders to review their books and assure investors of loan quality and operational health. The auto finance industry and asset-backed securitization issuers could benefit from more transparency and consistency in disclosure policies, panelists said during a session on Oct. 21 at FT Live’s ABS East in Miami. Auto lenders are reviewing their portfolios

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6:13

Auto Finance Summit 2025 highlights industry...

The Auto Finance Roadmap ·

2025/10/20

Auto Finance Summit 2025 shed light on how auto lenders are responding to challenges facing the wider market, including credit performance, affordability and evolving technologies. Following subprime buy here, pay here lender Tricolor’s Sept. 10 Chapter 7 bankruptcy filing, auto asset-backed securities spreads widened, Kayvan Darouian, director of consumer asset-backed securities research at Deutsche Bank, said during an Oct. 15 presentation at the event. Still, Tricolor’s challenges do not

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8:40

Powersports trends, Tricolor bankruptcy latest and...

The Auto Finance Roadmap ·

2025/10/13

The powersports industry continues to grapple with volatile market conditions including rising prices, falling sales, waning consumer demand and a rapidly changing compliance landscape, but there are some lenders and dealers who have proven themselves resilient. Auto Finance News today announced 11 powersports executives to watch heading into 2026 who have thus far proven their ability to support lenders, dealers and consumers in a political and economic climate that is also rapidly

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6:59

Tricolor court proceedings begin, fraud investigation...

The Auto Finance Roadmap ·

2025/10/06

A federal investigation into subprime auto lender Tricolor Holdings was confirmed as court proceedings began last week. In a court hearing on Oct. 3, Tricolor’s lawyers confirmed that federal law enforcement and regulatory agencies are investigating the buy here, pay here dealer and subprime lender for alleged misconduct and alleged systemic fraud. Since Texas-based Tricolor’s Chapter’s 7 bankruptcy filing on Sept. 10, the company’s bond prices have plummeted, signaling that investors

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5:28

Sales, supply, promotions dominate Powersports...

The Auto Finance Roadmap ·

2025/09/29

Powersports dealers are working closely with manufacturers to balance supply with a decline in sales and worsened consumer confidence, themes that were prevalent during Powersports Finance Summit 2025, held Sept. 23-24 in Columbus, Ohio.Lender Octane, for one, is working to provide the technology and finance programs needed to support dealerships as they face smaller margins compression and lower sales alongside higher promotional spend. Dealers are also turning to used units to meet

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15:23

An automotive business expert breaks down the...

The Auto Finance Roadmap ·

2025/09/22

As the Department of Justice investigates the alleged fraudulent claims against Tricolor Auto Acceptance, one expert warns that there may not be enough collateral to satisfy the subprime lender’s outstanding debt with all its financiers. In more common bankruptcy scenarios, assets are liquidated to repay outstanding debt. “What makes it a little bit more complicated [with Tricolor] is there's 25,000 creditors in this particular case that have claims here, and some of them have claims

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7:03

Breaking down Tricolor Auto’s collapse

The Auto Finance Roadmap ·

2025/09/15

Tricolor Auto Acceptance’s chapter 7 bankruptcy filing on Sept. 10 has led to ratings downgrades for the financier and talks of potentially wider implications for the buy here, pay here and subprime markets. The Texas-based buy here, pay here retailer and lender closed its dealerships in tandem with its filing for liquidation. Since then, ratings agencies Kroll Bond Ratings Agency, Moody’s Ratings and S&P Global placed their ratings on Tricolor securitization transactions under watch

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30:54

BHPH dealer Oak Motors’ applications up 30%,...

The Auto Finance Roadmap ·

2025/09/08

Buy here, pay here dealership Oak Motors is slowing approval of credit applications as long-term affordability concerns persists and despite increased volume. Anderson, Ind.-based Oak Motors’ applications were up 30% year over year at the beginning of September, according to data the dealership group provided to Auto Finance News. The dealership group did not specify the number of applications. The increase comes despite a drop in sales and amid a decline in approvals at the dealership

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11:48

Floorplan finance fraud on the rise; CUs lean into auto

The Auto Finance Roadmap ·

2025/08/25

As fraudulent activity picks up across the automotive industry, floorplan financiers are also seeing an uptick in dealers disappearing with vehicles or submitting false documents. Floorplan lenders such as NextGear Capital and Westlake Flooring Services in recent months saw a rise in the volume of fraud and more dealers defaulting on their lines of credit. Supporting dealers is a top priority for Ford Credit Chief Financial Officer and Vice President of Strategy Eliane Okamura in the

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6:46

Proposed CFPB rule change teases win for nonbank lenders

The Auto Finance Roadmap ·

2025/08/18

Nonbank auto lenders may soon have a reason to celebrate, following a proposed rule change by the Consumer Financial Protection Bureau to how it defines larger participants of the auto market. On Aug. 7, the bureau filed an advanced notice of proposed rulemaking to change the definition of a larger participant in auto to nonbank entities with up to 1.1 million aggregate annual originations, an increase from 10,000. This followed the CFPB’s July 14 motion filed with the Office of Management

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20:19

Podcast: Vehicle repair costs up 43% since 2019,...

The Auto Finance Roadmap ·

2025/08/11

Amid sustained inflation, more high-tech vehicles in the market and tariff-induced uncertainty, aftermarket repair costs are steadily climbing.Vehicle repair costs are up 43% since 2019 to an average of up to $1,700 per visit, according to data provided to Auto Finance News by lender Synchrony Financial.Three factors contributed to the rise, Keith Mait, automotive, oil and gas business leader for Synchrony, told AFN:Vehicles are more complex with more expensive technology;Customers keep

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306 results

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