Slight May improvement came with risks to borrowers, lenders.

Slight May improvement came with risks to borrowers, lenders.

Experian report shows other shifts, including banks clawing back market share.

Experian report shows other shifts, including banks clawing back market share.

Overall April conditions didn’t benefit the consumer, especially those presenting more risk.

Overall April conditions didn’t benefit the consumer, especially those presenting more risk.

March credit loosening, though, came with compromises.

March credit loosening, though, came with compromises.

Q1 stats show more than ever are opting for seven-year loans for new vehicles.

Q1 stats show more than ever are opting for seven-year loans for new vehicles.

Mixed February conditions still produce highest Cox index reading in more than two years.

Mixed February conditions still produce highest Cox index reading in more than two years.

January’s mixed conditions bring good and bad news for consumers.

January’s mixed conditions bring good and bad news for consumers.

Central bank waiting to see what happens under Trump administration. Auto loan rates, meanwhile, are rising again.

Central bank waiting to see what happens under Trump administration. Auto loan rates, meanwhile, are rising again.

Percentage in negative equity grows, and average amount owed reaches a record in Q4.

Percentage in negative equity grows, and average amount owed reaches a record in Q4.

Greater credit access in November combines with falling delinquencies for more stable conditions.

Greater credit access in November combines with falling delinquencies for more stable conditions.

Q3 numbers show that the sector is moving toward normality.

Q3 numbers show that the sector is moving toward normality.

Conditions improved in October across the board, though some measures are still down from prepandemic levels, Cox says.

Conditions improved in October across the board, though some measures are still down from prepandemic levels, Cox says.

September numbers break streak of tightening while some borrowers walk a shaky line.

September numbers break streak of tightening while some borrowers walk a shaky line.

Auto-focused lenders were the exception in August, when overall consumer confidence actually rose.

July conditions tighter for consumers despite average loan rate decline.

July conditions tighter for consumers despite average loan rate decline.

July conditions tighter for consumers despite average loan rate decline.

Poll shows growing aversion to technology’s accelerating part in process.

Poll shows growing aversion to technology’s accelerating part in process.

Poll shows growing aversion to technology’s accelerating part in process.

Carmaker will add the payment options in its European dealerships this month after introducing it in the U.S. last year.

Carmaker will add the payment options in its European dealerships this month after introducing it in the U.S. last year.

Carmaker will add the payment options in its European dealerships this month after introducing it in the U.S. last year.

June conditions, including best average loan rate in a year, make buying more likely.

June conditions, including best average loan rate in a year, make buying more likely.

June conditions, including best average loan rate in a year, make buying more likely.

New buyers, especially those with EV trade-ins, are feeling the brunt of depreciation as market normalizes.

New buyers, especially those with EV trade-ins, are feeling the brunt of depreciation as market normalizes.

New buyers, especially those with EV trade-ins, are feeling the brunt of depreciation as market normalizes.

Borrowers taking on more debt, moving many into delinquent territory.

Borrowers taking on more debt, moving many into delinquent territory.

Borrowers taking on more debt, moving many into delinquent territory.

Affordability metrics improved in May as lending costs ebbed, finances flowed more freely.

Affordability metrics improved in May as lending costs ebbed, finances flowed more freely.

Affordability metrics improved in May as lending costs ebbed, finances flowed more freely.

May mix of conditions shows year-over-year loosening by most measures.

May mix of conditions shows year-over-year loosening by most measures.