State of the Automotive Finance Market Fourth ... - Experian
[Pages:37]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
1
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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2
Credit score ranges
Category Super prime Prime Nonprime Subprime Deep subprime
?2016 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Score Range 781 ? 850 661 ? 780 601 ? 660 501 ? 600 300 ? 500
Vantage Score 3.0
3
INSERT PICTURE
HERE
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Originations
New and used lending
4
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
?2016 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Q4 2015
Source: Experian Automotive
5
Percentage of used model year vehicles without loans
62.8% of all vehicles financed in Q4 2015 were used
100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0%
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