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.

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

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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.