The amounts owed on under-water trade-ins reach new highs.

Though many auto consumers are finding it challenging to trade, dealers can leverage conditions to help them get over the hump.

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Recent patterns show good credit helps navigate high interest rates as highly leveraged consumers sink further.

June upticks still came with risky exposures.

Slight May improvement came with risks to borrowers, lenders.

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

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

Rethinking auto financing for a new era of buyers

March credit loosening, though, came with compromises.