Best The Auto Finance Roadmap Podcasts (2025)

1
Floorplan finance fraud on the rise; CUs lean into auto 11:48

9d ago11:48

11:48

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…

1
Proposed CFPB rule change teases win for nonbank lenders 6:46

16d ago6:46

6:46

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
Podcast: Vehicle repair costs up 43% since 2019, Synchrony says 20:19

23d ago20:19

20:19

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, Keit…

1
Carvana’s sales surge in Q2, Ford Credit, retailers’ results mixed 7:18

30d ago7:18

7:18

Auto companies saw mixed results in the second quarter related to sales and finance volume, as Carvana’s originations surged, Ford Credit’s earnings rose and Credit Acceptance Corp. and Penske Automotive faced declines. Carvana’s originations soared 51.1% year over year in Q2 to $3.1 billion, while Credit Acceptance Corp.’s originations plummeted 1…

1
Pagaya president speaks to fintech’s lending strategy 27:53

1M ago27:53

27:53

Pagaya Technology’s lenders are leaning on the expansion of their dealership networks for growth as credit quality worsens and credit access remains mixed. Credit access climbed 3.6% year over year and 0.8% month over month in June according to the DealerTrack Credit Availability Index published July 10. This marked the second consecutive month of …

1
Ally, Chase, Wells see auto origination growth in Q2 9:39

1M ago9:39

9:39

Ally Financial, Chase Auto and Wells Fargo Auto all reported an increase in auto originations in the second quarter, driven in part by a pull-ahead in car purchases by consumers anxious to buy before tariff-induced price rises. Ally Financial’s auto originations jumped 12.2% year over year in Q2 to $11 billion, while Chase Auto’s originations ticke…

1
Used EV sales outpace new as Trump bill ends tax credits 8:52

2M ago8:52

8:52

President Donald Trump’s One Big Beautiful Bill marks the end of the federal EV tax credits at a time when sales of used EVs and hybrids are ramping up and new EV sales are slowing. The bill, signed July 4, could spur additional incentives at the state level and from manufacturers as the federal credits end nearly seven years early. The bill moves …

1
July 4 sparks 0% deals, Q2 sales robust 7:07

2M ago7:07

7:07

Second-quarter sales of new autos were mixed following a spike in March and April ahead of tariffs taking effect, while incentives were robust during the Independence Day holiday weekend. Most major manufacturers saw a rise in vehicle sales in Q2, with General Motors and Hyundai Motor America reporting the best first half of the year in terms of sa…

1
Used-EV market ramps up as tax credit end looms 7:59

2M ago7:59

7:59

Sales of used electric vehicles are ramping up as it becomes more likely the federal EV tax credit will end and as off-lease EVs return to market. Second-quarter used EV sales are projected to surpass 100,000 units, setting a record and following a 32.1% year-over-year jump in May to 36,609 units. By contrast, new-EV sales declined 10.7% YoY in May…

1
Motorhome auction volume up from April to May 19:23

2M ago19:23

19:23

Listen to this special episode of the “Weekly Wrap” podcast, as Black Book’s Lawrence and National Powersport Auction’s Amata join Auto Finance News Associate Editor Aidan Bush to discuss motorhome and towable trends for the week ended June 20.By Auto Finance News

1
Credit access improves, but some borrowers turn to credit builder loans 7:07

3M ago7:07

7:07

While credit access improved in May and vehicle prices were steady, affordability remained a concern, especially for credit-challenged consumers who face multiple forms of debt. The Dealertrack Credit Availability Index increased 2% year over year in May to 96.7 as credit unions and banks loosened standards and approval rates improved. At the same …

1
Repos up as prices rise, stronger sales cut supply 9:55

3M ago9:55

9:55

Amid increased vehicle values, a rise in vehicle repossessions and continued tariff-induced uncertainty, Auto and powersports players are implementing new leadership, positioning themselves for growth and weighing incentives to weather macroeconomic challenges. Prices for every major vehicle segment except compact cars saw a year-over-year increase…

1
Tariff uncertainty continues to define auto, powersports markets 5:35

3M ago5:35

5:35

Major players in the auto and powersports industries continue to adapt to the rapidly changing macroeconomic environment teeming with the effects of tariffs and rising inflation. Where some see opportunity, others see indications of a challenging fiscal year. As consumers continue to grapple with affordability, which has been further pressured by t…

1
AI, tariffs, EVs, compliance take center stage at AFS East 2025 4:30

4M ago4:30

4:30

Uncertainty defined much of the conversation at Auto Finance Summit East 2025 last week in Nashville, Tenn., with auto lenders highlighting affordability, auto tariffs, EV dynamics and technology as top-of-mind considerations headed into the rest of the year. Auto tariffs were a resounding theme throughout the event, as lenders discussed inventory …

1
Synchrony’s Medrano, Broward Motorsports’ Reyes talk financing support 21:16

4M ago21:16

21:16

Powersports lender Synchrony is working closely with dealerships to align financing options with consumer appetite and sales goals. West Palm Beach, Fla.-based Broward Motorsports of Palm Beach, for one, benefits from offering low-rate financing options through financiers such as Synchrony, Alex Reyes, sales manager at the motorcycle dealership, to…

1
Capital One’s Annie Fallows talks AI evolution 16:10

4M ago16:10

16:10

Capital One is looking at ways to expand the use of AI-based agents on the heels of launching its agentic AI-based tool, Chat Concierge, earlier this year. Chat Concierge answers customer queries and can help with tasks such as comparing available vehicles and exploring financing options online before consumers head to a dealership. In building its…

1
Ally Financial, Huntington originations rise in Q1 5:17

4M ago5:17

5:17

First-quarter bank earnings highlighted mixed results as some banks saw an uptick in originations and leasing volume, while credit performance largely improved. Ally Financial’s auto originations increased 4.1% year over year as lease originations were up 28.6% YoY. The bank’s retail auto delinquencies declined 9 basis points (bps) YoY to 3.79%. Ac…

1
Pre-tariff car prices hold, Q1 earnings kick off 5:48

5M ago5:48

5:48

Credit access improved and vehicle prices were steady in March before tariffs took effect, while the first wave of first-quarter earnings point to growth for auto lenders. Auto loan approval rates and subprime share increased in March, contributing to improved credit access. Increased demand ahead of the tariff-induced price hikes led to a surge in…

1
Weekly Wrap discussion as auto tariffs kick in, industry responds 4:13

5M ago4:13

4:13

The auto industry is rapidly responding to tariffs that took effect last week, while subprime lenders continue to navigate risk and credit performance. Shares of the three major U.S. automakers — Ford, General Motors, and Stellantis — fell sharply at market close on April 3, dropping 5.9%, 4.3%, and 9.4%, respectively, as the tariffs officially too…

1
Weekly Wrap discussion on looming auto tariffs 4:29

5M ago4:29

4:29

The auto industry is bracing for impact as tariffs on vehicles take effect April 3. Auto stocks slumped on March 26 after confirmation that the tariffs will take effect as planned. The Big Wheels Stock Index fell 2.8% by market close, marking a sharp drop that has continued as the tariff deadline approaches. That market dip comes alongside fresh si…

1
AFN and Experian talk affordability, credit, EVs 15:05

5M ago15:05

15:05

The fourth quarter highlighted still-elevated auto delinquencies, growing lease share and competitive market conditions. Credit performance worsened in Q4, with 60-day delinquencies up 4 basis points year over year to 1.16% of auto loan balances, according to Experian. However, the rate of increase for past-due balances has slowed compared with a y…

1
Diversification in funding drives originations 3:28

6M ago3:28

3:28

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 work in auto finance. Auto Finance News’ March 11 webinar “Funding Strategies: From Warehousing to Private to ABS” shed light on interest from private in…

1
Weekly Wrap discussion on tariffs, gen AI use 7:35

6M ago7:35

7:35

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 Canada and Mexico were set to take effect on March 4. President Donald Trump announced a one-month delay the next day. The Federal Reserve’s latest Be…

1
Industry eyes stabilized DQs, mixed pricing dynamics 8:14

6M ago8:14

8:14

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 cool in the second quarter as the market stabilizes, improving lenders’ appetite for auto credit. Auto originations are also expected to increase betwee…

1
Exponential Markets' Fortin on 'volatile' EV pricing 19:48

6M ago19:48

19:48

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-founder and head of automotive products at Exponential Markets, told Auto Finance News. “The reason it's volatile is that the overall -car market right n…

1
CFPB halted, Q4 earnings continue 8:03

7M ago8:03

8:03

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 Director Rohit Chopra was fired last week. Auto retailers Asbury Automotive and Group 1 Automotive in the fourth quarter reported a double-digital year-over…

1
Auto industry eyes tariffs, credit performance 7:04

7M ago7:04

7:04

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 fourth quarter to 78,911 loan assignments as the financier grew its number of active dealers. Negative equity and rising delinquencies continue to be a…

1
Weekly Wrap discussion on the 2025 auto finance landscape 16:11

7M ago16:11

16:11

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 and they are improving,” Michael Brisson, director of economic research at Moody’s Analytics, tells Auto Finance News in today’s “Weekly Wrap” podcast. …

1
Wildfires spark deferral offers; funding off to strong 2025 9:37

8M ago9:37

9:37

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-coverage car insurance in California rose 47.8% year over year in December to $2,575, compare with the average cost across the U.S. of $2,313. The current…

1
A look back at top automotive trends in 2024 9:18

8M ago9:18

9:18

The past year has largely been defined by persistent affordability concerns even as vehicle prices stabilize and interest rates come down, as costs for everyday expenses make it challenging for consumers to keep current on debt. The most-read stories of 2024 highlight readers’ interest in how financial institutions navigated affordability challenge…

1
Affordability key challenge moving into 2025 7:46

9M ago7:46

7:46

Bank pullback in asset-backed lending has spurred growth for lenders that provide floorplan financing for independent dealers, while banks are expected to further tighten credit access in 2025 as demand weakens. Floorplan providers First Business Bank and NextGear Capital have seen a boost in their portfolios as dealers use more of their floorplan …

1
Used-vehicle prices rise, EV financing share up 6:47

9M ago6:47

6:47

The Manheim Used-Vehicle Value Index ticked up 0.2% YoY and 1.3% month over month in November to 205.4. High car prices have contributed to affordability pressures for consumers, but incentives are helping drive sales. The latest edition of the Beige Book, citing data collected on or before Nov. 22 by the Federal Reserve, highlights areas of the co…

1
Incentives pick up, dealers eye LTV requirements 6:15

9M ago6:15

6:15

Affordability, credit performance, leasing and digital innovation have been top of mind for auto lenders in 2024. Car shoppers saw some relief over the holiday weekend as Black Friday deals offered low interest rates and cash-back incentives. Lenders are also focused on sustainable growth. U.S. Bank is investing in digital capabilities across auto,…

1
Weekly Wrap discussion on nonprime consumers, improvements on affordability 18:14

9M ago18:14

18:14

Near prime and nonprime consumers are seeing some relief from affordability challenges in the automotive industry following rate cuts by the Federal Reserve but remain cautious about elevated monthly payments. New-vehicle registrations among near prime and nonprime consumers increased 1% year over year and 7% month over month to 161,435 in the seco…

1
Podcast: Synthetic fraud rises in powersports, auto 10:25

10M ago10:25

10:25

Auto originations have picked up industrywide even as average payments remain elevated, while manufacturers are increasing incentives to move inventory. Originations totaled 6.4 million contracts in the second quarter, up 0.7% year over year, according to the latest data from TransUnion. The return of leasing and an uptick in incentives are helping…

1
Podcast: Discussion on automakers' October sales 5:03

10M ago5:03

5:03

Sales at most major automakers increased in October, driven in part by an increase in EV sales. Overall sales increased for American Honda, Ford Motor Co., Hyundai Motor America, Mazda North America and Subaru of America in October. Volvo, however, saw U.S. sales fall 17% year over year to 9,360 vehicles. American Honda’s EV sales rose 31.1% YoY in…

1
Podcast: Discussion on Q3 earnings, auto lease ABS issuance 3:57

10M ago3:57

3:57

More auto lenders announced year-over-year origination growth last week in their third-quarter earnings reports. Carvana posted a 35.5% YoY increase in originations in Q3 as retail sales jumped 34.2% YoY and 7.1% quarter over quarter to 108,651 units. The increase in originations comes as the financier and retailer saw “record performance in virtua…

1
Podcast: Q3 captive originations are mixed 8:01

10M ago8:01

8:01

By James Van Bramer

1
Q3 bank earnings offer mixed results 6:44

11M ago6:44

6:44

Bank earnings last week highlighted mixed results as some institutions saw an uptick in auto originations while others’ portfolios shrank. Bank of America’s auto originations rose 16.2% year over year to $7.9 billion in the third quarter, while U.S. Bank’s indirect auto loan and lease originations jumped 65% YoY to $1.8 billion. Huntington Bank’s a…

1
Q3 earnings season kicks off, Octane enters marine market 4:17

11M ago4:17

4:17

Chase Auto and Wells Fargo kicked off the Q3 earnings season last week, with both lenders reporting flat or lower origination volume on a year-over-year basis. Wells Fargo’s auto originations hit $4.1 billion in Q3, up 11% sequentially and unchanged compared with Q3 2023, according to the bank’s earnings supplement published Oct. 11. The bank's aut…

1
Auto credit performance worsens, prompts provision spike 6:24

11M ago6:24

6:24

High rates and rising consumer debt levels still drive a worsening auto loan landscape. Delinquencies and losses rose across prime and nonprime securitized auto loans in Kroll Bond Rating Agency’s August auto loan asset-backed securitization index published Sept. 23. Prime recovery rates increased while nonprime recoveries declined. CarMax Auto Fin…

1
Podcast: Unlocking EV potential through leases, used market 19:39

11M ago19:39

19:39

Leasing an EV or buying a used one offers a more affordable option in today's challenging market, but many consumers remain hesitant. Nearly 8.5% of new purchases were EVs, and more than 46% of those are leased, according to Experian’s second-quarter state of the auto market report, published on Sept. 5. Part of the drive in EV leasing is affordabi…

1
Used-car demand strong amid tight credit, rising DQs 6:53

12M ago6:53

6:53

Demand for used vehicles is strong as supply remains limited and affordability is top of mind for consumers. The used-car turnover rate rose 8.4% year over year in August to 43 days for franchise dealers, signifying that inventory is being sold quickly. As consumers look for more affordable cars, inflationary pressures weigh on credit performance. …

1
Automakers pull back on DEI amid social shifts 6:09

12M ago6:09

6:09

Several companies in the automotive and powersports industries made changes to their diversity, equity and inclusion initiatives following social pressure to scale back targeted DEI strategies. Ford Motor Co. joined Harley-Davidson, Tractor Supply, John Deere and Polaris in publicly announcing changes to their DEI programs, including in how the com…

1
Regulators eye AI, aftermarket sales practices 7:13

1y ago7:13

7:13

Regulators are scrutinizing practices surrounding the use of artificial intelligence and machine learning as well as aftermarket product sales, prompting auto lenders to review processes for themselves and their dealer partners. The Consumer Financial Protection Bureau this month published a letter to the U.S. Treasury making it clear that emerging…

1
Lenders weighing benefits of force-placed insurance 7:09

1y ago7:09

7:09

Subprime lenders are weighing the risks and benefits of protecting assets through force-placed insurance as credit-challenged borrowers face continued affordability issues, while some lenders tap into “buy here, pay here” opportunities, in this episode of the Weekly Wrap.By Auto Finance News

1
Weekly Wrap discussion on originations, AI-driven lending 4:19

1y ago4:19

4:19

In this episode of the “Weekly Wrap,” Auto Finance News Associate Editors Ashley Savage and James Van Bramer discuss trends in financier earnings, AI-based lending updates, finance and insurance revenue and the powersports market for the week ended Aug. 9.By Auto Finance News

1
Weekly Wrap discussion on Q2 earnings, e-contracting 4:03

1y ago4:03

4:03

In this episode of the “Weekly Wrap,” Auto Finance News Associate Editors Ashley Savage and James Van Bramer discuss trends in financier earnings, technology, EVs and the powersports market for the week ending Aug. 2.By Auto Finance News

1
Weekly Wrap discussion on leasing, HOG earnings 5:24

1y ago5:24

5:24

Captives’ second-quarter earnings last week reflected portfolio growth despite affordability and incentive challenges. Leases are a key driver for dealers as consumers continue to be hesitant amid inflationary pressures, high interest rates and elevated vehicle prices. In powersports, Harley-Davidson Financial Services’ originations ticked down 4% …

1
Weekly Wrap discussion on leasing, earnings, sales 3:47

1y ago3:47

3:47

Second-quarter bank earnings continue to point to mixed loan production volume and a rise in leasing spurred by EVs. U.S. Bank originated $1.9 billion in Q2, up 21.5% year over year while outstandings fell 30.6% YoY to $8 billion. PNC Financial’s auto outstandings dipped 1.6% YoY to $14.8 billion, and Citizens’ auto book continued to run off. Ally …

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