Auto Finance News Podcast

Episodes

1. 336

   Fifth Third’s 84-month auto loan volume grows 15% to 20% YoY

   The number of Fifth Third Bank customers opting for 84-month loans grew 15% to 20% year over year as of Sept. 29, Head of Mortgage Lending and Indirect Dealer Services James Sias says on the latest “Auto Finance News Podcast.” “Customers have demonstrated they are willing to keep vehicles longer,...

   Oct 5, 2026

   23m
2. 335

   Chase Auto head of pricing, credit strategy says granular decisioning key

   Auto lenders must strengthen fraud controls, improve operational processes and lean more into precise, data-based decision-making as they look toward 2027, Manish Chhabra, head of auto pricing and credit strategy at Chase Auto, says on the Auto Finance News Podcast. "You cannot do…

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   Sep 15, 2026

   12m
3. 334

   GM Financial's Kyle Birch reflects on captive build-out, career ahead of retirement

   Communication is key to GM Financial's continued success under new leadership, according to retiring GM Financial President of North America Operations Kyle Birch. "There'll always be challenges for lenders and dealers, even in the best of times," he told Auto Finance News. "We talk a lot about...

   Aug 19, 2026

   18m
4. 333

   Arivo Acceptance eyes increased auto ABS cadence

   The auto asset-backed securitization market remains resilient as a funding outlet for many issuers and originators. “It's an important source of capital for us,” Michael Gustafson, chief financial officer at lender Arivo Acceptance, tells Auto Finance News. “The primary driver for us is getting...

   Aug 10, 2026

   19m
5. 332

   Ally Financial, Capital One, Huntington Bank auto originations mixed

   Ally Financial, Capital One and Huntington Bank posted mixed results in the second quarter for auto originations and credit performance. Ally Financial’s auto originations rose 20.9% year over year in Q2 to $13.3 billion, while Capital One's auto originations increased 18.9% YoY to $12.9 billion....

   Jul 27, 2026

   7m
6. 331

   Wells Fargo Auto, Chase Auto originations jump in Q2

   National and regional bank second-quarter earnings point to mixed performance as larger banks lean into auto production while regional banks held steady or scaled back amid market volatility. Wells Fargo Auto, for one, reported a 40.6% year-over-year increase in originations in Q2, while Chase...

   Jul 20, 2026

   6m
7. 330

   Subaru Motors Finance to target first-time buyers, expand credit access

   Subaru Motors Finance plans to expand its underwriting to attract more first-time buyers, Managing Director Michael Cottone tells Auto Finance News in the latest episode of “The Auto Finance Roadmap Podcast.” “We are extremely low when it comes to delinquencies; the FICO scores are very high, the...

   Jul 13, 2026

   23m
8. 329

   BMW Financial’s lease penetration normalizes post-EV tax credit

   BMW Financial Services’ lease penetration has normalized following the elimination of the federal electric vehicle tax credit, says Ole Jensen, chief executive and president of the captive in North America. “We [have] slightly higher penetration when it comes to [battery EVs] in terms of leasing,...

   Jul 6, 2026

   23m
9. 328

   Rising insurance costs add to affordability woes

   Car buyers are facing a tough market as rising insurance costs add to vehicle ownership expenses and lenders are mindful of high loan-to-value ratios. The national six-month auto insurance premium rose 7.5% year over year to $1,163 in May, with the average up 20.6% YoY to $1,263 in the first...

   Jun 29, 2026

   11m
10. 327

    Podcast: Carvana, CarMax sales rise, interest rates decline

    Auto retailers are gaining momentum on the heels of increased sales and finance volume even as the industry navigates continued affordability headwinds. Carvana last week opened its first test-drive center in Dallas after acquiring seven Stellantis dealerships to expand into new-car sales. The...

    Jun 22, 2026

    10m
11. 326

    Carvana VP of finance talks rate cuts, profitability, sales growth

    Carvana has lowered its interest rates as its profitability, sales and finance volume improve. The Tempe, Ariz.-based retailer in the past year has focused on expanding inventory to meet consumers’ needs as car prices rise, improving customer experience and using AI to streamline transactions…

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    Jun 15, 2026

    19m
12. 325

    Buyers’ AI-powered research reshapes powersports purchases

    AI-powered research tools are changing how consumers shop for powersports vehicles, prompting dealers to spend more time explaining financing options and correcting misconceptions about rates, promotions and pricing. Consumers are increasingly arriving at dealerships with information gathered…

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    Jun 8, 2026

    18m
13. 324

    Used-car financing gains share as affordability pressures mount

    Used-car financing gained ground in the first quarter as affordability pressures continued to push consumers away from higher-priced new vehicles. Used vehicles accounted for 58.6% of all auto financing in Q1, up from 58.2% a year earlier and marking the first Q1 increase since 2023, according to...

    Jun 1, 2026

    8m
14. 323

    Auto leaders dive into affordability, funding diversification, credit performance

    The higher cost of living is exacerbating affordability concerns and prompting auto lenders to take a close look at rising delinquencies, asset pricing and innovative programs to get consumers into vehicles. The inaugural Auto Finance Capital Summit in Nashville, Tenn., highlighted lenders’...

    May 18, 2026

    6m
15. 322

    Financing key for 81% of shoppers when making large purchases

    Powersports dealers are introducing financing discussions earlier in the buying process as affordability concerns and economic uncertainty shape consumer behavior during the industry’s peak selling season. May is one of the most important sales periods for powersports dealers as warmer weather...

    May 14, 2026

    20m
16. 321

    Originations rise in Q1 as affordability challenges, EV demand grow

    In the first quarter, the auto finance industry balanced strong auto loan originations with persistent affordability challenges, shifting EV demand and rising asset-backed securitization activity. Auto lenders, including PenFed Credit Union, Driveway Finance and Carvana posted strong…

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    May 4, 2026

    8m
17. 320

    ‘Affordability is No. 1’ driver of PNC’s auto refinance demand

    Consumer budget concerns are driving year-over-year surges in auto refinance applications, Strati Papageorge, senior vice president of product at PNC Financial, tells Auto Finance News in the latest episode of “The Auto Finance Roadmap” podcast. “Affordability is No. 1, the biggest reason that...

    Apr 27, 2026

    14m
18. 319

    Lenders report mixed auto originations, delinquencies dip in Q1

    Lenders’ auto originations were mixed in the first quarter, though most reported declining delinquencies. Originations reported by major banks include: Ally Financial, up 12.8% YoY to $11.5 billion; CarMax Auto Finance, down 1.5% YoY to $1.9 billion; Chase Auto, down 2.8% YoY to $10.4 billion…

    more
    Apr 20, 2026

    9m
19. 318

    Rising costs, EV demand, regulation reshape auto finance landscape

    Auto lenders and dealers are navigating mounting pressure in 2026 as inflation, geopolitical conflict and regulatory shifts weigh on profitability and consumer behavior. Auto lenders are responding to tighter margins by strengthening dealer relationships and expanding into full-spectrum financial...

    Apr 13, 2026

    14m
20. 317

    Auto lenders balance growth with rising credit, affordability pressures

    Auto lenders are working to balance growth against rising credit and affordability pressures as the market adjusts to shifting consumer behavior in 2026. Luxury vehicle financier Rizz Lending this month secured a $300 million warehouse facility to scale originations to about $200 million this…

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    Apr 7, 2026

    11m
21. 316

    Iran war, rising fraud further pressure auto industry

    Continued concerns around the Iran war and an increase in fraud schemes are placing more stress on auto lenders, dealers and consumers while driving shifts in risk management and strategy. The war has pushed oil prices above $100 per barrel, fueling inflation and widening auto asset-backed...

    Apr 6, 2026

    16m
22. 315

    Capital One’s Sanjiv Yajnik IDs technological shifts in auto finance

    AI adoption is changing how auto finance companies approach efficiency gains and how the industry scales, Sanjiv Yajnik, president of financial services at Capital One, tells Auto Finance News in the latest episode of “The Auto Finance Roadmap” podcast. “The rate at which we are innovating right...

    Mar 23, 2026

    35m
23. 314

    Iran war spurs economic uncertainty for auto finance industry

    The auto finance industry continues to navigate heightened economic uncertainty as the Iran war drives oil prices higher, adding pressure to consumers already facing elevated vehicle prices and borrowing costs. Crude oil prices surged above $100 per barrel to end last week amid fears of supply...

    Mar 16, 2026

    16m
24. 313

    Rising gas prices, high rates add to affordability woes

    Despite a rise in subprime financing share in the fourth quarter of 2025, affordability remains a key focus for auto lenders and dealers as lower-income consumers continue to be disproportionately affected by higher everyday costs. Subprime share of total vehicle financing in Q4 2025 stood at...

    Mar 9, 2026

    8m
25. 312

    Auto lenders eye AI, blockchain liquidity, social media trends

    Auto lenders are eyeing AI and other digital technologies amid continued industrywide concerns over affordability pressures. Chase Auto will deploy AI that can fully automate the contract booking and funding process in 2026. AI-powered Fintech Agora Data closed a deal on Feb. 26 with...

    Mar 2, 2026

    9m
26. 311

    Drivers underestimate annual car ownership costs with Synchrony’s Keith Mait

    Drivers underestimate the cost of owning a vehicle by nearly $4,500 a year, underscoring mounting affordability pressures across the auto market. There is a growing disconnect between consumer expectations and the rising expenses tied to maintenance, repairs, insurance and everyday vehicle use,...

    Feb 24, 2026

    24m
27. 310

    Auto industry adapts to evolving technology, affordability

    Auto dealers and lenders are looking to new technologies and ventures to grow operations as the retail auto market faces uncertainty, especially around used vehicles and EVs, in 2026. Dealer captive financier AutoNation Finance’s originations rose 66% year over year in 2025. Meanwhile, the...

    Feb 9, 2026

    12m
28. 309

    Auto, powersports originations mixed

    Auto and powersports financiers mostly reported lower originations and sales for the last quarter as shifting spending patterns by cash-strapped consumers fuel uncertainty. Lenders that reported fewer sales and loan originations, according to their respective earnings releases, include: Credit...

    Feb 2, 2026

    10m
29. 308

    Banks’ auto originations rise in Q4

    Banks reported growth in auto originations in the fourth quarter as credit performance was mixed. Auto originations at Ally Financial, Capital One, Chase Auto, U.S. Bank and Wells Fargo increased year over year, according to the banks’ earnings reports. The increases were: Ally’s originations…

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    Jan 26, 2026

    12m
30. 307

    Tricolor collapse, servicing transition sparks industry changes

    Gaps in data verification likely contributed to missed double-pledging of assets at Tricolor Auto, prompting changes at rating agencies, Larry Chiavaro, president at his consulting company LC Advisors Group, told Auto Finance News during a special recording of the Weekly Wrap podcast. Chiavaro…

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    Jan 12, 2026

    27m
31. 306

    Auto lenders, dealers look to tax season for boost

    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...

    Jan 5, 2026

    6m
32. 305

    Affordability, repos, credit performance top concerns into 2026

    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...

    Dec 22, 2025

    8m
33. 304

    Dealers grapple with new registration requirements, ATPs rise

    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…

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    Dec 15, 2025

    8m
34. 303

    EV sales slow in November, used-vehicle values flat

    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,...

    Dec 8, 2025

    8m
35. 302

    Tricolor’s 10K vehicles could be sold by March

    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...

    Dec 1, 2025

    8m
36. 301

    Flagship sold to investment firm, Prestige halts originations

    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…

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    Nov 24, 2025

    7m
37. 300

    Future of CFPB funding questioned

    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...

    Nov 17, 2025

    8m
38. 299

    CarMax replaces CEO, EV makers report Q3 growth as car sales mixed

    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...

    Nov 10, 2025

    3m
39. 298

    Lenders eye affordability, subprime finance as credit performance weakens

    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...

    Nov 4, 2025

    4m
40. 297

    Tricolor bankruptcy prompts calls for transparency, portfolio reviews

    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...

    Oct 27, 2025

    12m
41. 296

    Auto Finance Summit 2025 highlights industry strength, challenges

    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...

    Oct 20, 2025

    6m
42. 295

    Powersports trends, Tricolor bankruptcy latest and preview of Auto Finance Summit 2025

    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…

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    Oct 13, 2025

    8m
43. 294

    Tricolor court proceedings begin, fraud investigation confirmed

    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…

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    Oct 6, 2025

    6m
44. 293

    Sales, supply, promotions dominate Powersports Finance Summit 2025

    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…

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    Sep 29, 2025

    5m
45. 292

    An automotive business expert breaks down the Tricolor bankruptcy

    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…

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    Sep 22, 2025

    15m
46. 291

    Breaking down Tricolor Auto’s collapse

    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...

    Sep 15, 2025

    7m
47. 290

    BHPH dealer Oak Motors’ applications up 30%, approvals fall

    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...

    Sep 8, 2025

    30m
48. 289

    Floorplan finance fraud on the rise; CUs lean into auto

    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…

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    Aug 25, 2025

    11m
49. 288

    Proposed CFPB rule change teases win for nonbank lenders

    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…

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    Aug 18, 2025

    6m
50. 287

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

    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...

    Aug 11, 2025

    20m