Best Auto Finance Roadmap Podcasts (2025)

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The Auto Finance Roadmap

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Ally Financial, Huntington originations rise in Q1 5:17

4 days 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…

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

11 days 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…

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The Auto Finance Roadmap

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

18 days 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…

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The Auto Finance Roadmap

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Weekly Wrap discussion on looming auto tariffs 4:29

25 days 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…

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The Auto Finance Roadmap

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

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about a year 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…

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The Auto Finance Roadmap

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Diversification in funding drives originations 3:28

about a year 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…

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The Auto Finance Roadmap

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

about a year 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…

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The Auto Finance Roadmap

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Industry eyes stabilized DQs, mixed pricing dynamics 8:14

about a year 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…

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The Auto Finance Roadmap

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

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about a year 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…

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The Auto Finance Roadmap

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CFPB halted, Q4 earnings continue 8:03

about a year 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…

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The Auto Finance Roadmap

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Auto industry eyes tariffs, credit performance 7:04

about a year 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…

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The Auto Finance Roadmap

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

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about a year 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. …

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The Auto Finance Roadmap

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

about a year 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…

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The Auto Finance Roadmap

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

about a year 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…

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The Auto Finance Roadmap

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Affordability key challenge moving into 2025 7:46

about a year 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 …

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The Auto Finance Roadmap

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

about a year 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…

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The Auto Finance Roadmap

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Incentives pick up, dealers eye LTV requirements 6:15

about a year 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,…

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The Auto Finance Roadmap

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

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about a year 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…

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The Auto Finance Roadmap

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

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about a year 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…

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The Auto Finance Roadmap

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Podcast: Discussion on automakers' October sales 5:03

about a year 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…

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The Auto Finance Roadmap

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

about a year 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…

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The Auto Finance Roadmap

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Podcast: Q3 captive originations are mixed 8:01

about a year ago8:01

8:01

By James Van Bramer

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The Auto Finance Roadmap

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Q3 bank earnings offer mixed results 6:44

about a year 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…

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The Auto Finance Roadmap

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

about a year 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…

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The Auto Finance Roadmap

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Auto credit performance worsens, prompts provision spike 6:24

about a year 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…

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The Auto Finance Roadmap

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

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about a year 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…

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The Auto Finance Roadmap

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

about a year 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. …

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The Auto Finance Roadmap

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Automakers pull back on DEI amid social shifts 6:09

about a year 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…

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The Auto Finance Roadmap

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Regulators eye AI, aftermarket sales practices 7:13

about a year 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…

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The Auto Finance Roadmap

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Lenders weighing benefits of force-placed insurance 7:09

about a year 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

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The Auto Finance Roadmap

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

about a year 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

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The Auto Finance Roadmap

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

about a year 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

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The Auto Finance Roadmap

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Weekly Wrap discussion on leasing, HOG earnings 5:24

about a year 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% …

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The Auto Finance Roadmap

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

about a year 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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The Auto Finance Roadmap

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Weekly Wrap discussion on Q2 earnings kickoff 7:17

about a year ago7:17

7:17

Second-quarter bank earnings kicked off this week and showed a continued slowdown in auto originations compared with a year ago. Chase Auto’s originations declined 10% year over year to $10.8 billion and Wells Fargo Auto’s originations decreased 22.9% YoY to $3.7 billion. Powersports sales slowed in June.…

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The Auto Finance Roadmap

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Weekly Wrap discussion on sales, incentives 7:34

about a year ago7:34

7:34

June marked mixed vehicle sales and an uptick in incentives ahead of the July Fourth holiday, while the industry continues to keep an eye on impacts from cyberattacks that halted dealer operations.By Auto Finance News

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The Auto Finance Roadmap

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Weekly Wrap discussion on rising debt, tech, compliance 8:57

about a year ago8:57

8:57

Higher costs for everyday expenses such as gas, groceries and vehicle insurance have prompted many consumers to turn to credit cards, with rising expenses making it harder for consumers buried in debt to qualify for auto loans.By Auto Finance News

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The Auto Finance Roadmap

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Discussion on retail POS lending as an opportunity for lenders 21:30

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about a year ago21:30

21:30

Point-of-sale financing as an alternative payment method is a growing opportunity for lenders, technology company Pagaya’s President Sanjiv Das says on this episode of “The Buzz” podcast, shared to The Roadmap. According to auto lender and Pagaya partner Ally Financial, POS financing is expected to reach a value of more than $81 billion by 2030.…

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The Auto Finance Roadmap

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Weekly Wrap discussion on CDK attacks, powersports 7:00

about a year ago7:00

7:00

Car dealerships are leaning on manual processes following consecutive cyberattacks against software provider CDK Global last week. In powersports, RV and marine manufacturer Winnebago Industries’ promotional liabilities decreased 26.4% year over year as demand for RVs was sluggish during Q3.By Auto Finance News

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The Auto Finance Roadmap

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Weekly Wrap discussion on loan production, inflationary pressures 4:30

about a year ago4:30

4:30

The auto finance industry is showing slight improvements in affordability and loan production while worsening credit performance and inflationary pressures remain concerns. Auto outstandings held steady above $1.5 trillion in the first quarter, down 0.2% sequentially but up 2.4% year over year. Access to auto credit worsened for the second month in…

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The Auto Finance Roadmap

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Weekly Wrap discussion on leasing, NAF Summit 7:08

about a year ago7:08

7:08

Leasing is picking up in tandem with incentives while used-vehicle values decreased in May — positive signs toward improving affordability. While some measures indicate better deals and lower prices, external costs such as vehicle insurance continue to burden borrowers, especially affecting consumers with lower credit scores.…

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The Auto Finance Roadmap

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Weekly Wrap discussion on market share, powersports 7:23

about a year ago7:23

7:23

Auto lenders were active in the capital markets last month as credit union issuance picked up, while market share among banks and credit unions shifted in the first quarter. In powersports, Canadian manufacturer Bombardier Recreational Products’ North American retail sales fell 5% year over year. Motorhome values, too, fell 9.4% YoY in April while …

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The Auto Finance Roadmap

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Weekly Wrap discussion on AI adoption, affordability 7:39

about a year ago7:39

7:39

Optimizing efficiency, improving accuracy and customer experience, and automating credit decisions are core uses of artificial intelligence in the auto finance industry as lenders look to grow their portfolios and manage risk.By Auto Finance News

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The Auto Finance Roadmap

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Weekly Wrap discussion on underwriting themes at AFS East 2024 4:56

about a year ago4:56

4:56

Several auto lenders had to adjust their underwriting strategies in 2023 to account for worsening credit performance across loans originated in 2021 and 2022, a theme prevalent during Auto Finance Summit East 2024.By Auto Finance News

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The Auto Finance Roadmap

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Weekly Wrap discussion on Auto Finance Summit East 2024 7:04

about a year ago7:04

7:04

Gaining operational efficiencies through artificial intelligence, navigating a challenging EV market and embracing the return of leasing were top themes at Auto Finance Summit East 2024 last week in Nashville.By Auto Finance News

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The Auto Finance Roadmap

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Weekly Wrap discussion on earnings, sales 3:32

about a year ago3:32

3:32

First-quarter earnings continued to bring mixed results as vehicle sales slowed in April.By Auto Finance News

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The Auto Finance Roadmap

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Weekly Wrap discussion on Q1 earnings kickoff 5:11

about a year ago5:11

5:11

First-quarter earnings kicked off last week with banks reporting a decline in auto originations. Chase Auto and Wells Fargo Auto’s origination volume decreased year over year in Q1, while outstandings were mixed. Meanwhile, auto credit availability improved across all lender types in March.By Auto Finance News

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The Auto Finance Roadmap

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Weekly Wrap discussion on used-car values, new-vehicle sales 4:19

about a year ago4:19

4:19

Used-vehicle values declined again in March while car sales improved as the industry shifts toward a buyers’ market.By Auto Finance News

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The Auto Finance Roadmap

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Weekly Wrap discussion on sales, incentives 5:24

about a year ago5:24

5:24

The return of higher supply levels is contributing to an uptick in incentives and increased new-vehicle sales projections. Meanwhile, the powersports market is feeling the ramifications of higher interest rates.By Auto Finance News

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The Auto Finance Roadmap