PDF State of the Automotive Finance Market Fourth Quarter 2015

State of the Automotive Finance Market Fourth Quarter 2015

Melinda Zabritski Sr. Director | Financial Solutions

?2?021061E5xpEexrpiaenriaInfoInrmfoarmtioantioSnolSuotilountiso,nIsn,cI.nAcl.l rAigllhrtisghretsserervsedrv.ed. Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned ExhpeerreiiannaPreutbhleict.rademarks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without the prior written permission of Experian. Experian Public

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Session overview

Originations

New and Used financing Lender and transaction types Loan characteristics

Market overview

Outstanding balances Total risk distributions

Delinquency

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Credit score ranges

Category Super prime Prime Nonprime Subprime Deep subprime

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Score Range 781 ? 850 661 ? 780 601 ? 660 501 ? 600 300 ? 500

Vantage Score 3.0

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HERE

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Originations

New and used lending

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Growing reliance upon financing

81.4% 50.9%

82.2% 53.3%

82.1% 52.8%

83.7% 53.5%

84.0% 55.2%

85.9% 54.7%

100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0%

Percentage of vehicles with financing

New Used

Q4 2010 Q4 2011 Q4 2012 Q4 2013 Q4 2014

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Q4 2015

Source: Experian Automotive

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