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.

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

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.

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.

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July conditions tighter for consumers despite average loan rate decline.

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